I never understood the draw of negative population growth city investing.

To reiterate above, the variable rate is not the issue, it's the attempt at new terms with punishment attached if not accepted.FWIW, if I recall correctly from 5 years ago, my loan officer casually mentioned that the loan will be "in-house" which I understood him to mean is not a federally backed loan and they are lending directly, but I didn't ask for clarification.Maybe my loan address was included by mistake for this mailing because of that categorization, but still, gahh.

Understood. 

I have however helped dozens of clients who have had to deal with their policies not being liquid, being charged 5 or 6 figures a year in fees, dealing with the tax implications of surrender fees, and almost unanimously nobody has understood what they were sold.As someone who is such a champion of these ideas, I'm hopeful you have some examples for all of us in this forum who would like to learn more. 

Just really explained how those Petri dish tests being up mold anywhere and explained how mold is in the air everywhere and that I can’t have a test done without visible evidence of mold growth.She understood where I was coming from.

In an attempt to simplify explaining the process, so it can be understood, I am leaving out details that I cover in other posts and in training.

Even though I didn't see it first hand(thank goodness for facetime), I had some trusted boots on the ground that allowed me to feel confident that they understood my requirements and had my best interests in mind. 

Thos are serious issues and the more eyes on, the better.BTW, you had a good Home Inspector....Understood.

A sub-to impacts a lender much, much more than Pace disciples realize...so yeah, I called loans when we I wish more people understood the underlined statement above and stopped telling the lie that the banks don't care as long as the payment is paid on time.

I wrote a statement explaining what I understood from the event given the tenant's perspective and will be speaking to the neighbors to have them put a statement together about what happened.