at 2.3% it's practically free money. 

I would spend some time to drill into the numbers, just as an exercise, and see where you end up.

He also suggested talking to a CPA who practices in both NY and VA.

Yes, screen all adults based on your standard screening practices.

But there might be a time when she comes the next day so I don't want them to start a load of laundry.I guess I could request this on a case by case basis, but would rather standardize and automate as much as possible so that things run smoothly with minimal input from me.What are your best practices regarding checkout instructions?

And if the tenant/buyer exercises their option to buy then you will profit $5k ($195k sale price - $190k owed on the loans).

Louis since that's where I could get a lot of practice doing that, and a few have been purchased (and successful) on my recommendation. 

Whether it is by giving practical knowledge in real estate and business, providing an opportunity for someone or simply  helping someone believe in themselves and knowing they have the power to control their destiny (from personally having it "figured out" to being greatly lost and then again having laser focus) , the world will be changed by Andre Kratt being here."

I assume an Assumption has the definition in TX as it has every where else....or is this just “common practice” to call it an assumption when it is a sub2?

This is where people get in trouble as it crosses the line of practicing real estate, which is illegal without a license.My suggestion....get your RE license, and proceed with wholesaling if that is what you'd like to do.