So I told him if you aren’t comfortable with that would you feel comfortable giving directly to lender?

Brand Turner, David Greene, J Scott, they all say don't pay for that stuff if they give it to you free from the comfort of your own laptop. 

You need to choose your strategy based on your comfort with risk, your budget, and your experience and even though the market is cooling down a bit, it's still a good time to jump in.

There is extra sleeping in the twin-sized daybed in the foyer area or on the comfortable sleeper sofa the Wild Dunes Golf Resort, located just 20 minutes from historic Charleston!

This will depend largely on your level of experience and comfort level with the possibility of expenses for the things like the termites and the sewer pipe.

But you will want to evaluate it for yourself and see what you are actually comfortable paying. 

There is extra sleeping in the twin-sized daybed in the foyer area or on the comfortable sleeper sofa in the living room.

The newer clients are signing one time showing agreements when I go see a property for them (or with them if they are in state), until they are comfortable with how I work, etc.

Subject-To is an extremely high-risk play for anyone not capable and/or comfortable with selling, refinancing, or repaying 100% of all Subject-To debt balances, all at once (if they have multiple). 

So essentially depending on your timing you will need (2) things in your favor to do that lower rates, and enough equity.In some cases having an interest only rate is not a good thing because it can and it does create comfort which can lead to bad habits of not paying the principal down.