There is a small personal junk yard going on next to a non working vehicle and leaving food around for the purpose to feed wild animals outside their window. 

You also still have to do a personal guaranty, again in most cases.As to whether or not you hold the property as an individual or in an entity, there are probably thousands of posts already with wildly differing viewpoints. 

Keep in mind that styles vary wildly.

What flagged me was the email didn’t quite seem like the ‘writing style’ of my closing lady.

What people want and what they will accept can be two wildly different things.

I grab my cleaning ladies phone or my old cell phone that connects to the internet and manually enter the credit card numbers while they are repeating it to me. 

Young lady your that much closer to financial freedom.

And this area is the wild west of appraisal values.

Ladies - do you bring someone with you when you meet with a seller?

Nothing we did, just timing. 1 went to nuring home (older lady), one bought a house she was saving for for a number of years, and the other got a different job and had to relocate.