Here's one that I just found with a quick search: http://www.mymassmortgage.org/homebuyer-course-cal...FULL DISCLOSURE: I have no relationship of any kind with the company offering this course.

The certified public accountants prepare reviewed semiannual and annual financial statements twice yearly and the company provides them to interested accredited investors upon request and returning its privacy non-disclosure agreement.

@Michael Plante FULL DISCLOSURE: no experience yet in commercial property (except MF residential) ...and only done rehabs, no building/development.Isn't commercial really just a waiting game anyway?

Assuming you are not licensed and did not need to issue disclosure?...

However, the servicer has not accepted our preliminary sellers disclosure twice now.

Disclosure: I am an affiliate of theirs.

They must provide a disclosure to the homeowner informing them of the ability to request a refund.

Everyone who is a party to the non-disclosure is a party to the fraud.

When you do subject-to, just make sure you have all of the paperwork and disclosures to CYA.

Banks will have a whole stock of disclosures and forms, one of which will state the contract is not assignable.