Structuring for Commercial loan

Hi Guys

All the responses we are getting so far is that we have to go for commercial lending with at least 30% deposit.

Now other thing got to know that commercial lending cannot be done under personal names- it has to be trust or company.

Now it opens many other questions for us-

For trust- as losses cannot be distributed to the beneficiaries, why people go for trusts for property investing? For initial years any property could be negatively geared. Though these losses can be accumalted for years to set off against future income, as I understand.

Another question: If we get a commercial loan under a company, we have to register company under GST after income crosses $75,000-Does that mean we will charge GST on residential rental income?

If we tend to sell such property under company in later future, will the residential sales attract GST?

If we transfer property from Company to our personal names in future, will it happen at market value with all the formalities of stamp duties etc?

Can I please have your perspective of all the investors who invests in blocks of units- Under which kind of structure they prefer to invest as commercial lending cannot happen under personal names?

Cheers J

Kamal

Thanks Terry, yes its one sale of contract.

one of the lenders already offered financing of 4 units with 30% deposit.

Cheers:) Kamal