Hey Jay - this is super intersting.

Did Citizens send a letter to this effect? 

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? 

Your specialities are great for this community of investors!

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

I recommend you discuss and plan this in depth with a local lender who knows your market well. 

Or if your gut tells you that your family will be happy in this new location, then follow that instinct!

I'd be happy to get on a call and discuss more about this market to get you a better idea of what to expect from AZ.

An article from The Mortgage Reports explains:“The amount you need to put down will depend on a variety of factors, including the loan type and your financial goals.

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