I guess, I think that you are asking the question as if the answer is subjective when it is actually objective and you can look at your numbers and see where you are at.

Same thing as Bankrate for example they use a very specific model to price those rates and scenarios like 740 Fico, 70LTV, 15 year term and the APR is never really talked about when it comes to margin and points charged.So when your fico score, LTV, loan size or DTI deviates from that very specific loan scenario then they say in all websites required by law "rates are subject to change" hint hint! 

@Scott GorhamSome of the strategies for buying a property if the original mortgage stays in the seller's name would be subject-to or a wraparound mortgage.

https://www.biggerpockets.com/...12 Frequently Asked Questions (And Answers) About DSCR Loanshttps://www.biggerpockets.com/...8 More Commonly Asked Questions and Answers to DSCR Loanshttps://www.biggerpockets.com/blog/eight-questions-and-answe...What Documents Do You Need for a DSCR Loan?

The issue was a person sold their home subject 2 and the person who bought it stopped paying.

Eli,If I were you I would look into Subject Two, Land Contracts on Properties that are free and clear and Raising Private Money!

Market factors are outside of our control, and I don´t like having to be reliant on one strategy whose value is subject to change without me having any say.  2.

Questions like this are too vague and subjective.

I do not have to do anything right now, I just need to learn, wait for the right opportunities, or create them - for example by trying to use subject to and take over someone else's payments who locked in a lower interest rate from a few years ago. 

This agreement with your general contractor acts as a roadmap, with clear expectations and protection for all parties involved.One frequent mistake is the failure to include sufficient detail or being too vague.