You can get lenders who will accept a valuation from a lender who is on their panel, even if it was originally done for a different lender. Done it plenty of times.

Sounds like a fine plan the only thing you’d need to do is sell the properties together. Which means there will be two contracts and each contract will be conditional on each one being sold.

Yes I think your broker should be the one advising you on the different lenders and their options. SMSF Commercial isn’t that difficult but you have to watch for annual reviews, ongoing fees and whether your SMSF/Custodian deed matches up to the lender’s.

Put any excess cash you have into an offset account against the loans so you don’t pay down the loans but effectively reduce your interest repayments.

A unit trust might be the more appropriate structure to make sure you establish the proper amount of % shareholding of each person. It avoids disputes as to who owes/owns what.

This is very common. Find a different valuer, one that is on the panel of other lenders if you think this is going to be a problem. Ask your broker to find one for you.

What LVR do you need?

Hmmm problem is you are going into to a conforming lender that requires payslips. Your broker really should have organised alternative funding through a non-conforming lender as they should have known your situation with no payslips etc.

Age isn’t an issue as long as you argue it properly. As for subdivision, you need to study your numbers properly and talk to Council at the very least.

Yes banks do not accept conditional offers during a mortgagee sale. Hence why if you want a B&P report, you have to pay for it yourself and take on the risk if it’s good or bad. Good luck with it.