I would structure the note as a zero coupon note.

Most hard money lenders I know would charge that 15% coupon and 5 points for a 6-month deal, though, not a 12-month -- which is really 25% annualized (assuming that loan repays on the last day of the sixth month).

You might be able to target private loans which have a bit of a higher coupon like the HML rates mentioned above but not too much discounting in that market so you pay closer to par or even a premium.

The best color is white, both for trim and for walls, as white paint can take the harshest cleaners and then touch up quickly if necessary.With that being said, of course the CHEAPEST paint available with the high-performance characteristics I want is always the best paint .Home Depot, through the Pro program coupons, runs in-store promotions where you buy two 5-gallon containers, and get the third five-gallon container free.

It's only $259, less if you have a coupon. :-)http://www.lowes.com/pd_212073-7-71224800-0_0__?

. - I buy online 10% discount coupon which is easy to find online and Lowes honors this coupon all the time.

If you purchase 10 percent off Lowes coupons through ebay they are accepted at Home Depot. 

As Jon said, the owner's principal balance should be shown on his payment coupons.

Keith & Craig - I got it at alibris cheap. coupon code: salingerhttp://www.alibris.com/booksearch?

i make too much to bother with rebates. biggest reason is the crap junk mail that you essentially sign up for. they are "buying" your address for that price and then they sell your address to companies.i have worked hard for the past 4 yrs to pretty much eradicate junk mail.i throw away all coupons i get at the counter IMMEDIATELY when they hand them to me. the last thing i want to do is bother with 50 cents or $1 off. i have better things to do.i do not sign up for credit cards or want to keep track of gas cards, additional payments, etc, etc.. this reminds me of waiting at the gas station to save 5 cents per gallon.i do however tell SW that their prices are higher and they give me discounts or match HD prices.