It's like if I went out looking for a horse and carriage IMO.

Welcome Jillian, glad to hear you're getting back on the horse.

My first thought was that maybe I could try a Subject-To, but I don't know how to negotiate with the bank to deal with the past due amount.I don't know anything about Short Sales, but the seller has tried it twice and it has stalled out on the 1yard line with Chase Bank, so I don't know that I could do any better.Any advice would be very much appreciated.Thanks.

It looks like a recipe for a stalled market.Michelle - I'm wondering how long this pattern will last.

A horse of a different color.There is no way around usury laws as they are based on the APR and the APR includes any fee, expense, points (pre-paid interest) or cost paid to obtain the loan.Charging a flat fee, like $3000 is simple computed as points would be, the fee divided by the amount loaned equals a factor, the same as points.

I guess I have to wait to see any preliminary lien.J Scott, -the contract has when I will pay him such as when finish stalling kitchen cabinets, I will pay him such $$-My contract has a end date and small penalty when passing the end date, but he could always use the change of orders to avoid my penalty.

Thats awesome.Remember, never look a gift horse in the mouth.

Horse before cart, not cart before horse.

Who doesn't want a free work-horse.

Go talk to the building department and get your options from the horses mouth (I'm sure they would like to know the details).Then approach your investing future as a team builder.