@Andrew SteffensNo lender is going to take a mortgage on an overseas property because they don’t have the infrastructure (nor the willingness) to try to repossess the property in case of default and even the largest international banks won’t do it.You might hear that somebody in the US got a loan in the US to buy a property overseas but that could be because they gave a US property as collateral or any other collateral or it’s a company that has a strong balance sheet and took an unsecured loan but that would likely defeat the propose of the original poster.If you know of any lender who takes an overseas mortgage as sole security for the loan, let me know as I’d be very interested but  I’ve worked in the banking industry across the work for many years so I know that, if ever there was any, it’d be more the exception rather than the rule. 

Current Loan Balance is $205,500.

Property Condition & Amenities: it’s important to, “Maintain to the Neighborhood.”Key metrics for each Property Class:Class A Properties:Tenant Pool: Majority of FICO scores 680+, no convictions/evictions in last 7 years.Tenant Default: 0-5% probability of eviction or early lease termination.Section 8: Class A rents are too high and won’t be approved.Vacancies: 5-10%, depending on market conditions.Cashflow vs Appreciation: Typically, 3-5 years for positive cashflow, but you get highest relative rent & value appreciation.Class B Properties:Tenant Pool: Majority of FICO scores 620-680, some blemishes, no convictions/evictions in last 5 years.Tenant Default: 5-10% probability of eviction or early lease termination.Vacancies: 10-15%, depending on market conditions.Cashflow vs Appreciation: Typically, 1-3 years for positive cashflow, balanced amounts of relative rent & value appreciation.Section 8: Class B rents are usually too high for the Section 8 program.Class C Properties:Tenant Pool: Majority of FICO scores 560-620, many blemishes, but should have no convictions/evictions in last 3 years.

. $204,500 @ 17.5%– $35787Estimated Net Proceeds to Seller$350,213Owner Finance: OFFERSale price 350000 Down payment $20,000 Owner finance note for the remaining: $330,000Interest rate: 3%Term: 30 years (fully amortized)Balloon payment: We pay off the entire remaining balance after 8 yearsWhat you actually receive over the 8 years.Down payment (day 1) $20,000 pure cash profitMonthly payment (years 1–8) $1,392.97/mo × 96 months = $133,725Part principal, part interest Of that $133,725: Interest portion ≈ $71,150 your profit minus taxesPrincipal portion≈ $62,575Balloon payment at end of year 8 ≈ $267,425 (remaining balance) capital gains Total cash you receive over 8 years≈ $421,150Your true profit (down + interest)≈ $91,150Estimate Closing Cost ($5,200)Capital gains ($35,787)Net Proceeds $380,163 Never provide owners advice on owner financing.

That being said, Fidelity already manages our mutual funds and retirement accounts so we don't need fund-specific management, just general oversight and portfolio-balancing advice based on the risks and amounts of those accounts.

But doing so, in this case, would effectively wipe out today’s payout and leave the calendar open with almost no notice to rebook.Any thoughts in what you will do here, do I accept or politely declined the date change and explained that the timing falls outside the flexible window to make changes per our cancellation/modification policy. seems also no middle ground (It does not allow me to surcharge a one night stay ).How do you handle same-day change requests while balancing fairness and protecting your calendar?

Year 2020 a Formal Attorney generated DEMAND letter was sent by the holder or the 2nd lien Mortgage & Note which had now GROWN to a much larger Balance (sum) due TO the property owner making a demand for payment.  

Reconcile Every Bank, Credit Card, and Loan AccountIf your balances don’t match, your P&L and balance sheet won’t be accurate.

Some lenders will allow you to pay down the principal balance up to 20% of the original principal balance without triggering the penalty, others will flat out state in the note that ANY prepayment partial or full within the period specified will trigger the penalty. 

To be balanced, let's list some downsides - Pre-payment penalties - Usually a higher interest rates than agency loans - Short terms  (These are not usually 30-year loans.