In the terms of the deal it stats "Paper Transfer" I think I know what that means but I was hoping that someone here might be able to give me a better definition ?

in my area there are no transfer stamps to pay.

A landlord can not transfer some responsibilities (heating, water, functional roof, doors and windows functioning, safe electrics).So, if you have an agreement and the tenant is following it you pretty much have no leg to stand on if you feel something is wrong.

When a transfer happens the state steps in with a lien.

Death, divorce, job loss, transfer?

That works if the birddog gets it but it increases costs as it adds another transfer into the deal.

I also feel that if someone can call to hear a recorded message without needing to speak to someone it will be less scary.Do you have a recommended service that you use for your recorded message with a live transfer option?

Once a foreclosure takes place the title (deed) is transfered over to the bank.

If the bank finds out there is a transfer of deed on the land records it can kill the whole deal.

If she has a car or something else you want she can transfer the items.