At it's basic level:Assumption: Asking the bank to turn the loan over to you and going through the normal underwriting process, credit, income, DTI ratio etc SubTo: Taking over the loan without telling the bank, no underwriting, no credit check, no income verificationBoth have risks, but it's not my intent to be detailed in this post.

I have a deal right now and I need buyers.

While there are some nuances here, the basic premise is that an Admitted Carrier submits their forms and rates to the state for approval.

But, basically it's experience that wins the day.

Any good deal is very easy to find a buyer.

Focus on learning the basics of MTRs, including their appeal to traveling professionals and the need for furnished properties.

Market Demand: Buyers love move-in-ready homes, and flips are often the most attractive properties on the market.

You can't show the home to potential buyers.

Typically, you can only do one rollover per 12-month period (again, IRS Publication 969 has the details).In the end, having the option to invest your HSA funds is usually a better bet than letting them sit in a basic savings account.

If a sponsor resists this basic transparency measure, consider it a serious warning sign.