IE matured every year.. we stipulated and the banks agreed if they did call the loan we would have 36 months to retire it.. and when 08 hit we needed that.. the borrowers who did not have those clauses were the ones that got hammered .. my partner owns a bank it was his clause..

I have reviewed my mortgage and see the stipulation.

Its a very common mistake, which is why good AE service contracts stipulate exactly how you can and cannot use the documents.

And finally, make an offer and don't be scared of stipulating your conditions such as; contract price, the length of the agreement, who pays the closing cost (owner) and a separate doc. for rental monies % going towards the property.

Landlord shall attempt to have Tenant's house ready on the date stipulated on this lease but cannot be held liable for failure to do so.

They also have a stipulation that you can only have 4 mortgaged properties, but it was waived for me (I have 10).

I am aware of this stipulation and to be honest am not interested in actually purchasing the example property I was just analyzing it as it's one of the few properties on the MLS in college station that (almost) hits the 1%rule of thumb, it would also be above FHA loan limits.

We do have one stipulation - we do not want to transfer our owner-occupied home to the new insurance company at this time. 

Obviously, you need to run the background check as normal, but if a tenant was willing to pay me a year in advance I would probably stipulate that it was not refundable, and then hell yeah I would take it!

You would have to stipulate that the tenant would pay any excess from the utility like the "reasonable use" clauses in mobile data usage.