As the loan application queue lightens  up we will likely see a the bond and mortgage markets realign.

As I handed her this notice, she tells me of all the happenings, problems with social security, death in the family....Now I'm really wondering if I was fair enough and should I lighten up on the qualification standards.   

I did have a lightening strike at one rental. 

Fire, Lightening, ,..) while others will insure on "Special Form" like your homeowners.

Hope to see you around at some networking here in Hampton Roads when things lighten up!

Deed of assumption-  IF your buyer get struck by lightening, you can simply record your deed that will transfer ownership back to you.2. 

I have had a small house fire caused by lightening that the tenants were home and caught.

When my house was struck by lightening and caught fire, the tenants wished they had renters insurance for their belongings damaged by smoke.

What a disclosure could be showing is the ability of some smooth operator having the skills to give some caution or clarification and still convince someone that what they are about to do is the best solution for them......salesmanship.While disclosing to someone that they are about to be had may lighten the blow, but it still doesn't wash away the responsibility for your actions when you are the one devising the deal.It's not so much compliance issues as it is in prudent operations and fairness in dealing with the public, John Doe Public is usually at a distinct disadvantage in RE and financing.I understand what Aaron presented too, disclosures don't wash away the obvious.

I'm sure you guys are great at what you do and are very successful, but please, lighten up.