Do you offer these same depositors the chance to convert their large deposits to other debt instruments of the bank?

OK, I'll confess I didn't make it through all of the discussion, but I get the show stopper to be forward expectations of rising rates built into the instruments.Someone back earlier in the thread mentioned interest rate swaps (or possibly a forward starting interest rate swap in the case of a 3/1 or 5/1 ARM) as the perfect instrument to accomplish this, but they're only available in the institutional space.

If there has been some course, book, seminar, etc. that has been instrumental in your RE education, please share it with us?

Dialogue and negotiations are preferred as instruments for resolving even the most difficult international conflicts.

This addendum refers to the Future Advance Clause of the mortgage agreement and the parties signing the Rider specifically agree that any future advances made will not be covered by the mortgage instrument.

His administration was instrumental in fighting malaria, aids and other diseases in Africa.

That product is a commercial loan instrument.  

You won't, however, learn as in depth on those topics or learn about other financial instruments as well. 

I know I need a partnership agreement and a vehicle to record my interest in the property, even though he is blood.Can anyone help with the instruments I need to get this deal going?

@Ben Dunning I was the person instrumental with getting that suit moving forward.