I am also seeing Home Equity Agreements coming into fashion, but I do not have any details on this.

I've had a property insured with American Modern for a number of years. 

AAPL has been trying to stop using the word hard money because it has a negative connotation and move everything over to private lending.But Ned is right, I had always viewed it the way he has as well, but as a lender I have no friends, so I guess them I am allowed to use it interchangeably.The Demise of “Hard Money” in a Private Lending World | American Association of Private Lenders (aaplonline.com)

Quote from @John Canwell: Last point - Americans need to start being minimalists.  

From my 6 years of living in USA, my observation, I have realized that in American norms, parents' well-being in not their kids' responsibility.

But to be fair Texas is usually far behind the fashion trends.

I know that you, like the rest of us, really want to have that American Dream for our families.

@Scott Parker   well you can do it the old fashion way.. my e mail is in my tag line at the bottom of the posts.. send me an e mail if you like..

I would encourage folks to watch the American greed episode on Remington financial.. little different they took due diligence fee's  this company is taking money to bird dog deals for them. but it was proven that in almost 20 years Remington funded less than 12 deals and they took in 5k to 10k per client. made millions. this I see is somewhat of a parallel offer to fund the deals make the bar so high that no one ESPECIALLY a newbie can get over the bar..  

This is the American problem, we want but can't afford.I have purchased so many houses a year or 2 or 3 after the divorce.