You would be wise to consult your legal counsel to make sure that you understand the factors that distinguish an independent contractor from an employee in your state.

That should distinguish this from the points that buy-down the interest rate.

The BP community stands very ready to help and make some recommendations especially if its known that the ask is clear, the person has spent a bit of time educating oneself on options.... some reading (BP, other RE books), perhaps attended some local RE meetups for a few months, founds some areas that made sense, then formulated some sound choices.  

How can I distinguish a good realtor from a bad one? 

Does anyone know of any good sources on as far as educating oneself on creative financing?

Originally posted by @Joel Owens:Tons of properties out there.I could not find any good deals since September, or they were gone before I noticed them.Maybe I am not working with the right agent... or I am not looking hard enough... or it's just me who cannot distinguish a good deal when it's in front of me until it's gone.

I think for business card purposes, this will likely be our strategy, though we might use other more distinguished titles if there is a specific reason to do that.

Then there's everything from ReboGateway, to Ron LeGrand's VA services... but for prelim analysis, you get a "thirty day free trial' of REI PRO, for no investment, which is actually enough time to familiarize oneself with the software, unlike many "free trails!"

I believe that success comes from the preparation, planning and positioning of oneself for luck...

Transfer of Possession under an Agreement to Transfer A transfer of possession under an agreement to transfer ownership must be distinguished from a transfer of possession under an agreement to transfer property by way of lease, license or similar arrangement.