What's the most efficient and effective way to secure a loan against a residential property?

Brokerages that control much of the residential market can and do influence where prices are set in reality.

So, any L/O, Sub-2, Contract for Deed or any note thereby secured by a residential property are all financing agreements.Now, a lease at market rates without any purchase credit allowed or granted together with a true option, where no part of the option price is financed and it is paid as a lump sum when made is not a financing contract, so you could do those.BTW, any agreement to reduce a sale price over time for past performance can be seen as a financing arrangement as well.If your transaction is not specifically exempt, compliance is required in any installment sale.

Basically, all I need is their name, realty company, and phone number.

You can't do an LLC with any conventional residential loan products, you would be looking at commercial/portfolio loans with higher rates.

The financing options are entirely different when you are looking at 1-4 unit (residential) properties compared to anything 5+ units (commercial).

RE foreclosures and collateral sales are not readily liquid and the fact that a recourse loans are made, address this issue of accepting a less liquid asset.Now, if the individual borrower were to pledge the property as well as cash assets, say a bond or even stock or bank CDs, then the collateral aspect could swing the risk assessment toward a NRD.Off to other areas.Usual and customary carries legal weight in any transaction, from buying a car to having pizza delivered to residential and commercial real estate deals.What would a reasonable person do in the same situation if they had equal or nearly equal knowledge as other parties?

My wife and I currently own a successful "boutique" residential real estate company, a property management company, and we just launched a development company.Sincerely,Rob

All 4 residential units and 2 commercial units are on yearly lease.

I'm just familiar with the standard rider, is this for 1-4 residential unit property conventional loans?