7/1 ARM from a local credit union How did you add value to the deal?

If this was an arms-length transaction, would one purchase a property with effectively a subject-to purchase without any signed paper?

Make sure it explicitly explains the process for termination if you are unhappy with their services, but especially if they violate the terms of your agreement.3.

What's interesting in the last three months is that, real estate is still growing, while M2 is still flat ; because the bank now finds a way to manipulate the long term 10 year notes (for example some banks are selling ARM in the 4 or 5 by hedging TIPS with 2 pts spread).

@Robert Johnson, the article I linked talks explicitly about that, Conventional --> FHA.

Real Estate has so many arms and legs. 

(Emphasis added)Because “notes” are explicitly mentioned in the definition of “security,” courts have held that there is a strong presumption that notes are securities subject to the Securities Act.

Lehman (Pike County/Bushkill), Smithfield, Eastburg Borough, Stroud Borough, Hamilton, Pocono, Chestnuthill and some others explicitly do not allow STR under 30 days continuous period.

We closed in March, rehabbed, rented and we're ready to refinance, but conventional loans need a 6-12 month seasoning period and a DSCR loan will only give us 63% LTV, astronomical closing costs, and STILL won't come even near to reimbursing us for HML loan or our out of pocket costs.Our solution: We found a local bank that will give us a conventional loan (non-owner occupied), 20 year term, 7.9% with a three year arm and we are going to JUMP on it. 

I want the financial freedom to eat as many crablegs as I can during this lifetime, and to have multiple people massage every single one of my extremities (just 4 people... the fifth one is off limits ... besides my left arm hurts to no one touches my lefty ).