Most of these forms are boiler plate, just changing owners name and address, and charging you several hundred for it. 

Fro the biggest reason, as you said, you own the home for the Best, First years of its life. 

Another idea that we have been exploring is using the cash value of whole life insurance funds for emergencies. 

Quote from @Marc Shin: I saw a video by Miles Golden and he said you change transfer your primary mortgage to a HELOC, and then you can pay all your bills out of the HELOC and pay off your mortgage in 3-12 years. 

@Collin Luckett what your touching on for changing of buyer during pending is not a viable direction. 

Financial Freedom Network I laughed at -- after reading the agreement, no comparable value for that monthly price -- 3 or so years ago, if value has changed now, my time-based disclaimer is as aforementioned -- and Legrand would do well to disconnect FFN from his name, as I believe FFN is now out-sourced, whatever.I empathize with you , Joe and the other responders, but when I read Legrand’s, and most of the other guru’s, contracts prior to trying a teaser product, it clearly stated in the agreement that if customer did not want the upgrade service for which the teaser/free product, free video, whatever, was being given away, then customer must cancel within the stated period of time, which almost always range from 30 to 90 days [60 days is becoming more common, as more folks forget to cancel]So long as terms to cancel are clearly stated prior to contracting, I don’t find it unethical, -- and real estate gurus have merely adapted a teaser or rebate marketing technique used in most every industry -- recently even Chrysler cars [try our minivan for 60 days!

It would be great if your rental could also work financially as a long-term rental if the STR market changes.  

While some folks may not change the way they underwrite from one type of property to another, what specific property are you interested in, SF, 2-4 MF, or 5+ MF? 

It won't change the payment unless you refinance.

As long as the buyer prioritize lower monthly payments and is confident that they can manage the long-term cost of a 40-yr loan - If the buyer plans to stay in the property for a long time.Also, be sure to weigh these two drawbacks to a 40-year loan (paying significantly more interest over the life of the loan and building equity slower as compared to a shorter loan term).