But tuned out to be a pretty nice profit deal for us about 650 to 700k net in less than a year.the lady got her home back free and clear and I told her do not Borrow against it ever again her kids had forced her into last time and of course took the money themselves.

PMs are forced to respond and are more likely to settle.

This is the same type of personality to gaslight you when you don't agree with their view on a deal or something goes awry, gatekeep you from information and deals, and become a resistance force in actually becoming a REI. 

I am not suggesting that you cannot diversify however are you looking for cash flow or is buying now, holding for appreciation and or forcing appreciation is your play.Good luck on your journey!

This in actuality is not correctAs an Additional Interest, you will receive notifications about the status of the policy to make sure it remains in force. 

.- The TL states that those are technically the team's leads and I will owe the 20% if they convert within the year since I was given training (which I was not), lender referal (which was forced on me by the TL even though I work with my own lenders for my clients).Is the above statement true/legal/valid?

Also, the fees plus being a forced buyer with a deadline on a 1031 exchange may negate the small tax savings.

The shorter the prepayment term has an impact on increasing the rate.4.

Your response also got me thinking about how this classification might impact the appraisal if this is not a mistake.Rick 

Their clear incentive is to bet on falling interest rates between now and debt maturity.A small handful of owners are forced to sell due to a looming balloon payment that a refi won't cover, but you're not going to find one of those by driving the market when any commercial broker can just look up properties on that basis and start making calls.