I had issues with the bank getting cold feet and demanding every document about myself that I could possibly come up with, plus my unborn child.  

More and more I think Ontario and Wynn liberals just want to crush small business owners, landlords, or pretty well anyone who is trying to make it in the world.On a side note the new liberal Canada Child Benefit pays $533/month per child uncapped, scaled down as your income rises above 29k.

I’m 47, buying my first house in Granada Hills, California with my wife and child.

We also had to explain why we received such large tax refunds every year we adopted (for international adoption of children with special needs, there is a one time ~$13,000 per child credit from the IRS to help offset the cost of the adoption.) 

Had a tenant do this once - they were moving out of my apartment and their child spilled a blue ink toner cartridge on the carpet. 

I am in my early 30s (soon to be mid 30s) and am married with one child who was born just over a month ago.My goal:  To accumulate wealth.  

We have amazing 1st floor tenants and I think we are comparing everyone to them which is sort of hurting our judgment on people.Tenant A:Young couple (mid 20's) with a child who is about 9 months oldMake over 3x rent requirement and have 600+ credit scorehave been living on their own with rent less than what mine isonly guy works, girlfriend does notThey want to move in for July 1st (because they want to give their current landlord 30 days notice, plus need to have time to get money to move in - first, last, security)No major red flags here, pretty basic coupleTenant B:18 year old fisherman and his 17 year old girlfriend/fianceHave been living on their own, paying $200 more a month for rent (looking to downsize)He makes anywhere from 2-5k each trip out, which would be more than enough to cover rent, she works at Taco bell, but really she doesn't even need to work in order for them to meet income requirementsvery enthusiastic about moving and will literally move in tomorrow if they could. 

In return we get 50% of the equity and 50% of the monthly profit.Also, to add to it, my wife is due with our 1st child on August 2nd!

There are governmental liens that are not extinguished via the tax sale; IRS, city mowing, child support, etc.

Sometimes the total savings to you by doing lease to own is over 8%, which on a $200,000 property is $16,000.Enclosed are some articles from the Wall Street Journal, Money Magazine, Realtor.com, USA Today and some other public newspapers, about Lease to Own and Seller Financing.Many realtors don’t know a thing about Seller Financing or Lease to Own, and their Brokers do not encourage their Agents to talk to Sellers about it.I currently have at least 2 “Lease to Own Buyers” that are interested looking at your house, that will give you full price for your house, and save you quite a bit of money.In order to properly explain this to you, I need to sit down with you and go through the positives and negatives of this decision, so that you can make a good decision about your home sale.I get paid from the buyer so you don’t have to pay me anything.Please call xxx-xxx-xxxx so we can sit down for 30 minutes and go over the basics of how this works for you and your family.Sincerely,Brian GibbonsInnovative Property LLCAssisting Home Sellers Solve [email protected]_______________________________If you notice the letter stresses saving money and doesn’t tell them how it works, and also educates the seller was some mainstream articles from national newspapers and realtor.com.Print the cover letter to a generic homeowner on good letterhead, and print the articles on good letterhead.You can use a binder clip to get them altogether.If there is no one home when you knock on the door, don’t leave this free report in the mailbox, or or don’t hand it to a child with the parents not home.