If the results match up, good for you; if they don't, you could be in trouble.I also agree that what lenders -- and particularly investors -- are looking for is your thought process...that you're aware of all of your potential expenses and that the numbers are defensible.

If the rate is above market rates at that time, that's the defense against the due on sale clause.

They can invite the lawyers, CPAs and other paid professionals just to show you a new move and/or defense from the most recent regulations imposed by authorities in order to prevent fraud or unethical actions by investors.

In her defense she said she could send me something (declarations?

I wish I could elaborate but my neighbor has been reading my posts and I don't want to give away specific details.I suppose that in anticipation of legal action, our neighbor has already retained a defense attorney.

You entering title at this stage in the foreclosure process will not afford you a defense pertaining to lack of notice.  

Educating yourself and gaining knowledge and information on 2 foreclosure Defense tools: Securitization Audit and Forensic Audit.

Some of it was over my head because of my conversance with economics, but I think I get the gist.How do you all feel about the idea of being defensive, scared, and reacting as though s&it is about to get real, vs. staying the course with responsible use of leverage and so on?

In her defense she has helped me the last 2 weekends clean the new rental.    2. 

But in my defense I had started a major renovation (ripped the roof off and put up a complete second floor) of the farm and I was doing a lot of the finish work, specifically all the tiling and painting.