Myself and other members of the Seller Finance Coalition were up in Washington DC at Capital Hill this week meeting with Senators to gain bipartisan support for HR 1360 (The Seller Finance Enhancement Act).

Our L/O offering was unusual in that most owners/landlords using L/O before 2010 saw it like you do as a revenue enhancement tool rather than a 'normal' alternative financing method. 

The city, county or state housing authority that issued the note lends the loan proceeds to a borrower to finance a multifamily housing community that has affordable rents.Because it is a direct placement with Freddie Mac, instead of the purchase of credit-enhanced bonds, it is less costly and more efficient.By Erika Morphyhttp://www.globest.com/news/12_1145/national/multi...

Been doing it for 4 years and it has enhanced my returns significantly.In the end there is no magic bullet of safety, liquidity and high yield returns in this rate environment. 

There is a faction of investors on here that have steadily urged caution and cited the risks vs rewards of leveraging up properties without adequate reserves, but in my observation they have been in the minority.While I’ve always erred much more on the conservative side, when refinancing recently I struggled with the decision of whether or not to pull out as much as equity as I can and leave 20% down or stay more conservative to enhance cash flow and keep my leverage down.

At the same time stimulus checks have gone out, enhanced unemployment benefits for those affected were making some people make more than they did when they worked and the CARES act gave unprecedented access to retirement accounts. 

We need to enhance our screening to include behavior criteria so that when get rid of the bad apples that we won't replace them with more bad apples.

Anyone apply for the New HARP refinance program named as Freddie Mac Enhance Relief Refinance)?

Also, enhance your results by targeting those with delinquent taxes and live out-of-county. 

My question relates to the possibility of not only enhancing a house, but enhancing a community of houses in which an investor increases the value of all houses around rather than following suit with whats on the market.