@John Clark The State of Arkansas Code 17-10-101 states that, “psychologically impacted is not a material fact that must be disclosed”.

It psychologically tricks you into paying your fixed rate low interest mortgage off faster with a higher variable rate HELOC. 

Studies have been done on the psychology of cash back credit cards... www.thesecret.com published an article in 2010 that says "for every 1% in cash back rewards, the cardholder spends 10% more..."

And 45 days isn't a lot - although honestly these days real estate has become a commodity and I'm observing that the 45 days is more of a psychological than a structural hindrance for a motivated investor. 

Investors should be reading just as many books about psychology as they do about investing.

I had a long post about it in the Investor Psychology section. 

I have a master's degree in organizational psychology with specialization in consumer psychology.

Also, there seems to be something psychologically challenging for good tenants who get a brand new 1-year lease in front of them that makes them go out and see what else they can get, whereas they seem to forget that they're renters if you just let it go M2M on expiration. 

If it works out, and if it would be helpful, I'd be happy to let you know more about the lender.My degree is in Psychology.

I then finished my Master's Degree in Forensic Psychology in about 18 months.