Solo 401k is exempt from this rule.

There's a flat deduction for folks that fall under the AMT.Not only that, the Taxpayer Relief Act of 2013 reinstated the personal exemption phase out AND the limitation of itemized deductions.

.- If you deal 3 or less "finance" deals in the year you are exempted.- If you are a registered small investment company with the Small Business Administration you are exempted.- There are possible exemptions with real estate licensing...I may be wrong, but this should be the site you can go to and find the exemptions/requirements for each state:http://mortgage.nationwidelicensingsystem.org/Pages/default.aspxIt's the NMLS site, National Mortgage Licensing System.And to answer your theory, unless you pass the title to the buyer and have an unsecured loan, it doesn't matter if it's 0% or 100% interest (to the Safe Act, Dodd Frank might limit interest rates, though it's tough to say that applies to personal property - I don't know).

Not aware of the GA exemptions or what your exemption status might be, regardless I suggest you not structure it, tell a RMLO what you want and take your buyer to an originator, is my advice. :)

-----And with regards to the SAFE Act, there are certain provisions outlined that specifically identify a real estate agent/broker's role in the transaction being exempt or not.

That being said, if you only plan to do a few a year there are some exemptions from some of the requirements.  

Both agencies have been granted an exemption from "pure" QM requirements for seven years or until they come out from under conservatorship.

The banks obtained the property through foreclosure and therefor are exempt from this disclosure (HUD homes will give you some information, but it's not a full disclosure of condition).

If you are really going to hold forever and you really want to pass this on to your heirs...Get a good estate planning attorney NOW because you want to get these assets into protected structures that can increase in value without ever hitting the estate tax exemption limit.Over the years, I systematically moved income producing real estate into GRITs, GRATs and GRUTs and now no matter what happens it is all out of reach of the estate tax man and creditors.

You'll notice a section that says PRE/MBT % which is the homestead exemption, if that number is 0 than add Winter & Summer then divide by 12 for your monthly cost.