Too many scammers out there.For the recipients, you can mail them a printed copy, email it or even email a substitute statement.

They are designed to protect the seller (I have disclosed this), but not to substitute an inspection by the buyer.Sellers can only disclose what they have knowledge of.

Here is my simple Top 5:1.Review the market – Understand the trends and conditions in the area.2.Analyze the property and the numbers – Ensure the deal makes financial sense.3.Visit the property – There’s no substitute for seeing it firsthand.4.Meet the team – Whether it’s your property manager, builder, or contractor, relationships matter.5.Complete inspections and appraisals – These protect you from costly surprises.If all these boxes are checked and the numbers work for your goals, then it’s likely a solid deal.

There are a couple of things that come to mind, if a payment is missed the lender cares, if the servicer goes out of business or misses a substitution of trustee, the lender cares, if the borrower goes to the lender to try to get removed from the loan (usually to buy another house) the lender cares, if the property gets caught up in a bankruptcy or divorce, the court cares and that means the lender gets involved.

They will substitute in their own sense of fairness knowing people are unlikely to appeal such a small issue.

Garbage in - garbage out.Be cautious with tax professionals who substitute AI for true research and analysis.

Bromides and sound bites are not substitutes for thinking.Oh, and by the way, fire ruins are toxic waste.

There are lots of books on the topic but there's not substitute for taking action and learning from your mistakes.

—namely, Isaac Winkles, reporting companies for which Isaac Winkles is the beneficial owner or applicant, the National Small Business Association, and members of the National Small Business Association (as of March 1, 2024)—are not currently required to report their beneficial ownership information to FinCEN at this time.This email is not intended to provide legal advice or serve as a substitute for legal research to address specific situations.

But imagine, an employee calls of, then you will have to go and be a substitute for that employee if no other employees want an overtime?