Hi Michael,I have read a number of books on this subject and others.

@Nicholas Henry Provided your ex continues to make on-time payments on your mortgage, there's no reason your credit score should move one bit.You're selling it to her subject to the existing mortgage. 

I suspect NAR and other orgs will start to go head hunting for these folks.Crap I made one post on BP about doing a mortgage in NV and promptly got turned in by someone on BP and subsequent cease and desist from the state of NV>. even though I never ever did a loan there.or States are trolling BP.. so in this instance the OP talk about how he does deals he would have no defense if in fact his activities are subject to licensure.. that's the funny part of BP folks getting on here talking about what they do and a lot of it simply is not within the RE rules.

Again, people don't understand it, but they think their opinion means something regardless.Second, from what I've seen, Renatus provides *COMPREHENSIVE* education tracks on particular subjects. 

HERS rating including DLTO calcs are the method to understand the envelope.FWIW residential HVAC industry is way behind the times.My only suggestion for the final question is be Polite, Professional and Persuasive.

To Dustin's point, Oklahoma is a very landlord friendly state and we're a linear market and not subject to the wild swings in appreciation of other markets.

I take the loan on subject to and the equity finance for the seller.  

The subject property is on a beautiful half acre and already has a patio.  

yup if they are anything like Remington then not good.. and 95% chance this borrower will lose their 10k.the subject of the American greed episode on Remington was a lady who bought an island in Clear lake northern CA..

Best thing to do with subject to is to have the seller transfer ownership into a land trust where you are the beneficiary of the land trust.