While I think it is responsible and comprehensive to look to the future...you cannot dwell on it too much.

One possible solution is for the partnership or multi-member LLC to pay the debtor a reasonable salary or a guaranteed management payment which is exempt from creditors if the debtor is head of household.

The Commission should take immediate intermediary steps to begin to address issues regarding the regulation of intetmediaries in small business capital formation transactions incrementally instead of waiting until development of a comprehensive solution.This would be a very big deal for the crowdfunding industry if it was adopted.  

A restraining order is covered under Mass General Law Chapter 209a and it is an order that protects someone from being abused by a current or former member of the household or family, and/or that the parties have been in a dating relationship. 

I was especially surprised to see that non-borrower household members could be included in the new debt to income calculation!!!

In addition to this, the deposit gives you access to the following:a.Advanced Deal Analysis Software – enter the purchase price, rehab costs and After Repair Value and we’ll give you a comprehensive break down including costs, net profit, and potential cash to close.b.Access to Proof of Funds – 24/7c.Contracts and Checklistsd.Additional Tools & Resources to help you avoid common pit falls in evaluating, rehabbing, negotiating and reselling the property.e.Your first evaluation is covered with the deposit.f.If the needed funding is more than 70% but it’s still a profitable deal, we’ll work with you to potentially wholesale the property and still make money on the deal.g.The remaining $1850 is rebated back to you once you resale your first property.8.Just like every other Hard Money Lender, one of the biggest challenges is helping new investors get dialed in on establishing accurate After Repair Values.

Personally I charge $500.00 for a renovation bid as an investor pre-purchase tool which frankly is cheap considering the typical bid requires 3 hours or more of drive time and on site project inspections then another 2-3 hours of typing out a comprehensive bid that considers all desirable finishes.

The amazing thing about Hispanics is that they are multi generational households, many have kids and grand kids and great grand kids in the same house.If the family is cash oriented, HISPANICS FIND A WAY TO PAY THEIR LANDLORD!!!

There are lots of other factors and possibilities so don't take this as comprehensive.

Here are exemptions to Due on Sale(d) Exemption of specified transfers or dispositions With respect to a real property loan secured by a lien on residential real property containing less than five dwelling units, including a lien on the stock allocated to a dwelling unit in a cooperative housing corporation, or on a residential manufactured home, a lender may not exercise its option pursuant to a due-on-sale clause upon— (1) the creation of a lien or other encumbrance subordinate to the lender’s security instrument which does not relate to a transfer of rights of occupancy in the property; (2) the creation of a purchase money security interest for household appliances; (3) a transfer by devise, descent, or operation of law on the death of a joint tenant or tenant by the entirety; (4) the granting of a leasehold interest of three years or less not containing an option to purchase; (5) a transfer to a relative resulting from the death of a borrower; (6) a transfer where the spouse or children of the borrower become an owner of the property; (7) a transfer resulting from a decree of a dissolution of marriage, legal separation agreement, or from an incidental property settlement agreement, by which the spouse of the borrower becomes an owner of the property; (8) a transfer into an inter vivos trust in which the borrower is and remains a beneficiary and which does not relate to a transfer of rights of occupancy in the property; or (9) any other transfer or disposition described in regulations prescribed by the Federal Home Loan Bank Board.