The borrower(s) may have initially purchased the property as one of the following:A natural personAn eligible inter vivos revocable trust, when the borrower is both the individual establishing the trust and the beneficiary of the trust;An eligible land trust when the borrower is the beneficiary of the land trust (new refinance loan cannot close in land trust); ORAn LLC or partnership in which the borrower(s) have an individual or joint ownership of 100% (new refinance loan cannot close in name of LLC or partnership)The original purchase transaction is documented by the Settlement Statement, which confirms that no mortgage financing was used to obtain the subject property.

This could indicate quite a few things from too high of an initial asking price for the condition of the home, +$1M McMansions shaving off 5%, banks not being able to keep up with value increases due to their slow mortgage processing times, etc.Overall, I agree with you that I have never heard anyone else claim homes are "more affordable" than in 2007 and I would love to see some data on that. 

Please list monthly payment amount(s). -Have

There are 3 or 4 tractor trailer backends there, vehicles, an industrial ice cream machine, old snowmobiles, a couple boats.

Has a historical brand, used to be the cream of the crop but now it’s just absolute garbage.

I always dressed in clean clothes and shaved, but coming from the automotive industry I never understood the value of how you present yourself.

Some of the things I've read elsewhere indicate the luster is gone from Reg A+ while accredited investors still get the cream of the crop Reg D offerings.Wow, even my dog doesn't whine as much as I am today.

I recommend shaving off as much of the refrigerator as necessary to make it fit.

@Jon Klaus   yes Jon figured that banking stuff out a few years ago.. but of course its not all peachs and cream  :)  but when it works its pretty nice. and an option to owning RE.Building as you do ( and I do ) of course can even be substantially better with leverage with 100% plus returns COC common place ... but lots of risk.

A lot of GC''s have time and money tied up in there business and would rather be hired for a job where they know they will profit rather than gamble on a property that could not only lose money, but also keep them and their employees away from other paying jobs.