We try to tailor each one to the market it's in rather than try to "shoe-horn" each one into some generic package.

Save you money on generic mustard and pickles, but don't save your money on a low cost leader in Property Management.

An example: Home formerly listed (expired, off market, etc.) at $350K (history shows originally listed at $395K with gradual price changes to $350K), you negotiate and place under contract for $300K, you sell (to retail buyer) for $325K.Of course, this is a generic example but in this case, a history can help you.

Run that scenario out for several years and the net value will be significantly more than if you just paid taxes on income, invested the after-tax sum into notes, and then paid taxes on the note income.So, no hard answer as we do not have all the pertinent facts, but hopefully that helps you look at your situation and see if this merits exploring further.If it may be a while before you can build enough capital to invest in alternative assets, it may still make sense to setup a generic brokerage 401k for now and start squirreling away some tax-sheltered savings.  

I'll see.My agent found me a lease that others in his office have used, but seems pretty generic to me.

I'm going to say this in a generic sense, not necessarily as it relates to the OP.

State requirements can be had from you closing agents, other aspects are pretty much generic. :)

The published generic tables do not capture that. 

Now I can only find generic stuff like this:http://research.stlouisfed.org/fred2/series/SPCS20RSA/So are you thinking this new bubble will go higher than the 2006 bubble, fall lower that 2012 prices?

(you will want to ask any servicer about them reporting, not all do)So the contrast here is that a refinance event now or in the future, as it generically sounds will be tough unless the borrower cleans up his credit and pays a little principal down.