Mortgages are a combination of a Note that creates and describes the debt and the security instrument that makes the prperty collateral for he loan.

I recognize the value of building a strong network and believe that partnerships are instrumental in achieving success in this field.I am reaching out to seasoned professionals like yourself with the hope of gaining insights, guidance, and potentially forming partnerships that could be mutually beneficial.

DefinitionsAs used in this subchapter --(1) The term "Bureau" means the Bureau of Consumer Financial Protection.(2) The term "communication" means the conveying of information regarding a debt directly or indirectly to any person through any medium.(3) The term "consumer" means any natural person obligated or allegedly obligated to pay any debt.(4) The term "creditor" means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another.(5) The term "debt" means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment.(6) The term "debt collector" means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another.

one of my buddies on high end rental units put I pod docks in now this was 10 years ago I dont even know what those really are I suspect maybe you put your phone in there or something then it plays music..I can see combo locks could be good for PM's so they are not running around with 7,000 keys.I put that on my Vegas place and i like that.with the new construction we build we dont do any smart things.. and these are middle range to upper range unless we get a pre sale and the client wants to do it.. 

The state may not set a fair market value for these kinds of assets, there is no book value nor is there an appraisal of such instruments (at least not now because I no longer provide such appriasals)!

If so does that make it into a fix instrument where you can more or less pencil out the cash flow for an investment lifetime (i.e. when your will get executed)?

Thanks Rich and Nick, you guys post have really been instrumental in me seeing the "light".

Judge Foster ruling contradiction to law and his online interview with Attorney Lucy Rivera. https://vimeo.com/115307836From Massachusetts Land Court Guide 2015.Land court chief title examiner must approve all bankruptcy instruments.

There was no artistic intreprtation of the music itself as the term is might imply.

I think the i-phone has better graphics ( if you like to watch videos, etc) and the music sound is clearer, but I dont use the phone for videos/music so that doesnt matter to me.