Having lived in Danbury, I had a LO T of adjustments to make.

https://www.toledoblade.com/lo...https://www.dispatch.com/story...https://www.restaurantnews.com...https://toledo.oh.gov/news/202..."

Not sure if he's with Navy Federal they have some great offers on conventional right now. https://www.navyfederal.org/lo...

But I would advise you to not do a L/O or L/P because there are a lot of down falls to those and when you have a l/o you run the risk of compromising the property b/c anyone's liens, suits, judgments, etc can be attached to the property.

I see a growing trend of clueless wannabe's, and unethical SOB's, tying up properties with sub2's, L/O's and sandwiching/assigning these to some buyer who is just as uninformed as the seller they talked into this without realizing the future ramifications when the seller defaults, the buyer defaults, etc.

If you feel like the Broker/LO doesn't know what they are talking about and you aren't sure either, then you both should probably part ways...4.

Long gone are the days where the consumer-facing LO is allowed to take a pay cut or pay raise on a per-deal basis, now it's mostly on what you can give us, that we can turn around and sell to management (as they are the folks taking the per-deal hair cut), that also isn't going to expose the firm to any potential gender/race/disability/etc based discrimination lawsuits or Dodd-Frank/CFPB fines. 

Sounds like a nice find on your LO @Christopher Goldie.  

HML isn't anything to be afraid of...but it should be respected.2 - Sandwich L/O:  Not enough space here.  

Entering into a LO with the seller and assigning (I use an option release) the deal is best.Other points:1.