It is taxed at rates capped at 25%, as opposed to ordinary rates - a subtle but very important distinction.

Just to point out a subtle issue.If you are only paying interest, you might think it is a loan and therefore the securities regulations do not apply.

This is subtle but it helps maintain that it's still a charge at x price, the credit is my money towards the deal...no free money.

I think her own family member said it best this is a business treat it as such, that was a subtle warning that you are setting yourself up for trouble.

Address- 4 Pastel Ct, Novato CA 94947

Adding fencing is almost never a bad idea, for the obvious reasons and the subtle ones regardign how prospective customers view the security.  

Throughout the next 13 years they lived there and kept making subtle and some major improvements to the house, with me lending some sweat equity when I could.

Go in there and hash it out to get what you came for Negotiate with data Show what other similar properties in the area sold for Don’t be insulting You want them to like you during this process Let the other party feel good Don’t dominate every part of the negotiation, throw them a bone once in a while Demonstrate why you are a great buyer in subtle ways Ask for their lowest price, then go lower When they give you a number, that won't be the lowest, that’s their starting price Then ask if you closed in 10 days, and paid 20k less if that would be unreasonable.

What's not always apparent is the subtle differences like lease-up fees, who keeps late charges and other add ons.For larger multi-family as well as most other commercial I look at a lot of offering memorandums and 2-4% seems to be the range with asset management generally adding 1-2% on that.

There are subtle differences.On an existing loan, the bank would be in 1st position because that loan was originated prior to the seller financing.If you mean pay off the seller's existing loan, take out new financing in the buyer's name and the seller do a 20% carry back, then the bank would be in 1st and if the seller carry back was recorded then the carry back would be in 2nd.To your point: If a house is free and clear and valued at $200,000 and the seller does a *proper* seller financing with title, escrow, recording etc for $100,000 (or 50% LTV), then a bank "may" do a 2nd (be in 2nd position) up to maybe 70% to 80% LTV or about $140,000 to $160,000 total LTV (seller financing + new bank financing) which would put $40,000 to $60,000 into the pocket of the homeowner.