I meant to just comment so I could follow the thread as it was updated.

Maybe I misunderstood him or he meant something else, but I don't see how paying the same amount it would be regardless but just in 3 separate payments helps reduce the mortgage more than it would've been over time.

(In reality, the tenant overloaded with heavy items not meant to be stored in a kitchen cabinet, damaged the property as a result of their own negligence.) 

Originally posted by @Jason DiClemente:@Jay Hinrichs I've done HML deals before, but never of that size, so I cant comment on large deals like that. sorry meant it for the OP  not you specifically. just trying to lay out some reality.bigger money deals are not like 200k HML flips   were lenders will take a stab at newbies or a company like DHM will come through at some point

You know very well what is meant by "free".

Offering back on an actual loan for the down payment is more or less what I meant

By special situations, I meant: "When getting an emergency to be taken care of OR when a tenant showing/screening has to be done" etc. 

I think there's a lot of pressure on people these days to 'fit the norm' in so much as 'Well, this is the way they say it's meant to happen so I guess we have to do this...' even in situations where it doesn't necessarily suit. 

See, this is how subject-to is meant to be used. 

I meant to say "earlier this year we decided to sell the whole unit outright" The list price was/is $679k