I have a property I'm considering seller financing with a wrap mortgage to a buyer, I'm currently refinancing the home and have the option to not escrow the taxes and insurance, which lowers the payment about 700/ month on the 1st position mortgage, BUT would escrow the T&I on the wrap mortgage. has anyone structured it that way what would be the pros and cons to structuring it this way? 

https://www.biggerpockets.com/forums/432/topics/454030-boise...Hope This Helps...

Some landlords offer a discount for early payment as an incentive, but I'm not sure that would be appropriate in this case.

Did Citizens send a letter to this effect? 

This could limit reinvestment potential.

Why this approach works:Less Competition – Most investors ignore lease options because they don’t understand them.

I believe a great agent would be able to help you with this sort of information if you can't find out for yourself. 

I dont know the terms of this specific home equity agreement but the ones I have seen in the past were pretty expensive.

@Samantha Bartlett we've got a lot of PM info on our wesbite, which I cannot list as BP Moderators will delete this post.

While it seems possible thats true, people doing this are screen shotting stuff from Zillow.