Originally posted by @Brian Garrett:@Bruce Woodrufffloors need refinishing they are hardwood, but I do not know if they will all need to be taken up for the under house work?

If X later sold these shares for $25.00, they would subtract the original cost basis ($10.00) from the new sales price ($25.00) to establish the taxable capital gain ($15.00) on the stock sale.

I am looking to cash out refi however my current mortgage servicer has high origination costs to do the refi.

I have one at 15.375 with no origination fee.

Anyway, I did not mention or call you out personally on my original post here for a reason, and now I’m done and no additional response is warranted or will be made on my part (mic dropped).

The original budget was 50k.

The seller retains legal title until the contract is fulfilled.Advantages:Lower Upfront Costs: You can avoid closing costs typically associated with formal closings.Control: You can take control of the property to make repairs and sell it while leaving the original financing in place.More Flexibility: Compared to a novation, a land contract offers you more control over the property since you hold equitable interest.Risks:Seller’s Cooperation: The seller retains legal title, which can complicate things if they change their mind or their financial situation worsens.Resale Issues: FHA buyers may require the deed to be in your name for 90 days before they can purchase, which could slow down your resale plans.Subject-To FinancingHow It Works: In a subject-to deal, you take title to the property while the seller’s existing mortgage stays in place.

In addition to the conference I've outgrown, I've attended the big OREIA several times as well as the biggerpockets -original- conference a long time ago. 

Back to today: I got off the phone with my agent, where I communicated how I wanted to present my offer (in summary: if the seller rejects my original offer, I hope they'll make a counteroffer, but if I decline that counteroffer, I will move on to make an offer on the next property of the few I am interested in the market - this is to avoid a back-and-forth and the property had been listed for a year with a 25% price cut in that time).

Origination package (if available)8.