Mortgages and deeds of trust with private power of sale are the security instruments.

I will keep looking.The 2010 Florida Statutes Title XLREAL AND PERSONAL PROPERTY Chapter 695 RECORD OF CONVEYANCES OF REAL ESTATE View Entire Chapter 695.01Conveyances to be recorded.—(1)No conveyance, transfer, or mortgage of real property, or of any interest therein, nor any lease for a term of 1 year or longer, shall be good and effectual in law or equity against creditors or subsequent purchasers for a valuable consideration and without notice, unless the same be recorded according to law; nor shall any such instrument made or executed by virtue of any power of attorney be good or effectual in law or in equity against creditors or subsequent purchasers for a valuable consideration and without notice unless the power of attorney be recorded before the accruing of the right of such creditor or subsequent purchaser.(2)Grantees by quitclaim, heretofore or hereafter made, shall be deemed and held to be bona fide purchasers without notice within the meaning of the recording acts.History.—ss. 4, 9, Nov. 15, 1828; RS 1972; GS 2480; RGS 3822; CGL 5698; s. 10, ch. 20954, 1941; s. 8, ch. 85-63.

As to calculators, to my knowledge, the are only two, the Texas Instruments BA II and the Hewlett Packard 12C (I think it is).

Bottom line is, overfunding a life insurance policy reduces the actual cost of insurance and there are products out there that perform based on market indicies with no downside risk. agin, I have to stress that I am not saying this is to be looked at as the ideal investment for anyone but i am saying that with all of the benefits such as: congress blessing the instrument with income tax free death benefits, access to the cash value on a tax free basis, rates of return of 4+%(with simple fixed rate Universal life) and to top it all off, lets just say your age 75 and want 5mill of death benefit, the premium would be around 150k/yr.

Before closing tell the escrow officer you need the "Instrument Number" as soon as it is available.

Things like posting on bigger pockets, but also blog traffic, facebook, twitter, etc. have been instrumental in building our network.

A note is note a security instrument it is only evidence of the debt created, it can bve secured or unsecured.

It's helpful to read the language to understand what does - and what doesn't work to legally avoid due-on-sale clauses.Exemption of specified transfers or dispositions: With respect to areal property loan secured by a lien on residential real property containing less than five dwelling units, including a lien on the stock allocated to a dwelling unit in a cooperative housing corporation,or on a residential manufactured home, a lender may not exercise its option pursuant to a due-on-sale clause upon— (1) the creation of a lien or other encumbrance subordinate to the lender’s security instrument which does not relate to a transfer of rights of occupancy in the property;(2) the creation of a purchase money security interest for household appliances;(3) a transfer by devise, descent, or operation of law on the death of a joint tenant or tenant by the entirety;(4) the granting of a leasehold interest of three years or less not containing an option to purchase;(5) a transfer to a relative resulting from the death of a borrower;(6) a transfer where the spouse or children of the borrower become an owner of the property;(7) a transfer resulting from a decree of a dissolution of marriage, legal separation agreement, or from an incidental property settlement agreement, by which the spouse of the borrower becomes an owner of the property;(8) a transfer into an inter-vivos-trust in which the borrower is and remains a beneficiary and which does not relate to a transfer of rights of occupancy in the property; or(9) any other transferor disposition described in regulations prescribed by the Federal Home Loan Bank Board.

I think everything you have written is true IF you hold the instrument to maturity.

The deed of trust is a security instrument given by you the borrower to the lender.