I think on instant inpulse...

"Instant trade line history" "6 years of business credit history- only $10,000", etc.

Like making the dwelling out of the sec 8 $Price range.

no.i think townhouses are fee simple - meaning you own it with no conditions other than paying for maintenance - you own the dwelling and the lot under it.

That would mean I would have instant equity in the house when I buy it right?

Germain ActWhen there is a mortgage loan secured by a lien on residential real property containing less than five dwelling units (1, 2, 3, or 4 max.) -- including a lien on the stock of a cooperative housing corporation (a “co-op”) -- no lender can enforce its due-on-sale clause due to any of the following prevalent circumstances:(1) The creation of a lien (or other encumbrance subordinate to the lender's security instrument) that 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 would become owners of the property;(7) A transfer resulting from a decree of 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 of the borrower’s property into an inter vivos trust in which the borrower is and remains a beneficiary and which [trust agreement] 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.

That piddling 1500 dollars I could have saved by waiting in line was nothing compared to the instant-ownership.

If you wear a tie, you are going to be looked at with instant suspicion and viewed as a salesperson first and foremost.

Hell, I've been an independant consultant for 30 years.My point in criticising the MLM "foreclosure help factories' is that in my professional experience (investigating allegations of predatory practices for the Mortgage Bankers Association, Washington DC, and serving as Plaintiff's expert on mortgage loan servicing in several Federal Bankruptcy Courts, plus running my own NonProfit preforeclosure counseling org for a decade) is that the offer to "help" evaporates the instant the so-called services provider realizes there isn't a buck to be made.... leaving the distressed homeowner in worse straights.If you are an exception to the generalization, that's great as you are one less businessman in need of oversight.

Ive known tht since I was born :DWell if people are construeing what I say for something else then whatever.