Focus your energy on snagging the next deal.

So getting that done upfront in the deal somehow is ideal...Bite the bullet early and get that updated then you may be set a decade or two..looks like you are buying right.

According to the American Land Title Association, the following types of loans do not have to comply with TRID:Home-equity lines of credit Reverse mortgages Mortgages secured by a mobile home or dwelling not attached to land No-interest second mortgage made for down payment assistance, energy efficiency or foreclosure avoidance Loans made by a creditor who makes five or fewer mortgages in a year And, in addition, 100% cash transactions (no lender involved) are also exempt.

Be sure you have the time and energy for that.  

It is a loan program available in New Mexico that allows the buyer to get in with little or no money.There are several people doing LO's in our market and around the country that have put a lot of time and energy in to researching how to do this legally.  

Becoming a real estate investor has its up and downs, it's risks and rewards, and of course the potential of living a life where I have the opportunity of owning my time and energy; by this I mean, eventually I will not be working a 9 to 5 job where I am constantly following repetitive task day in and out, and where I do not have the freedom to express my self and creativity.

His brother's response was something akin to, unless putting wood windows in my house means I'll get $100K more for it when I sell, then we're going with vinyl.When it comes to energy efficiency, I find that folks often only look at whether or not a product is Energy Star rated.  

For the time, energy and money it will take to do SP, you might as well do LLC.

Then I pull in the energy and water cost to run the building too, which puts me right around the 50% rule I suppose.  

Chimneys are energy robbers,,,do you let your windows open all winter?