Far more common for private mortgages such as this, but something to also keep in mind if you invest in mortgages and promissory notes.There are always outlier fact patterns, but a judgment creditor is not going to be able to jump priority like that in most cases and states.Contracts for Deed and Land Contracts generally are most favorable to the seller in most states. 

There's lots of inexpensive porcelain that is literally jet printed with stone patterns, I love it for kitchen floors and counter backsplashes.

In any event, I just tweaked that agreement a little for my specific fact pattern and that was it.

Marble, stainless steel appliances, really nice kitchen backsplashes, nice hardwood flooring, etc.

After the next four I'll get into a pattern using cash flow to pay down mortgages one at a time, refinance out, and redeploy.  

Ultimately I am trying to gather data on approaches, methods and/or hone in on any patterns.

You don't need to install marble floors or anything but you want to have modern updated fixtures in there.

After a few years of this some lenders my see the pattern and be concerned .

Unfortunately, the limited population cap in the target town and surrounding towns and the traffic pattern analysis indicate that the barbers and cosmetologists would not have enough customer throughput in the first 24-36 months to reach reasonable compensation incentives to commute and work there.

The key in Worcester is to know the neighborhoods and the traffic patterns as that is huge once people go back to work.