If done as a mortgage, new expense will have to be added.

Patrick Sears if you have any homes up for sale (or considering selling any in the future), I would love to be added to your buyers list.

If you were just calculating return from cash flow I suspect you were generous but that would be added to the 36% from appreciation.  

The principal amount of this Note may be prepaid, in whole or in part, at any time without penalty.Should suit be commenced to collect this note or any portion thereof, such sum as the Court may deem reasonable shall be added hereto as attorney’s fees, the LENDER agrees to pay the costs of such additional sums as a court may adjudge reasonable as attorney's fees in any suit.

I looked at the numbers again, and it would only be adding an extra $7 per lot/mo to bill back trash, so it would not be a huge savings.

do they have to be added as a 'colleague' first?

If you would like to be added to my list please send me your contact information to my inbox here on bigger pockets!!

Foreclosure cost to the trustee are included along with winterization etc.. however this is nota judgement just allowed monies to be added to minimum bid IF the lender chooses.

That lender, however, keeps their loans and doesn't sell them, so they might be adding a less restrictive policy on top of the Fannie Mae guidelines, knowingly counting differently.

The best way really is to be added as an authorized user on an established card.