Plus why pay the funding fee again on the cash out refinance unless you have a service related disability to waive the fee. 

For example, a young couple with limited resources that has a child with a disability may need additional asset protection strategies than another.

If you mean by "passive investments" a CD, MM or other totally passive investment, some folks are elderly, disabled or otherwise unable to actively do anything, the YUCK is them not being able to be active, not their investments.

I don't have a job, I separated from the military in March and have been getting paid to go to school, along with my disability and unemployment which all totals out to about $4000/month.

The disability required for a service animal need not be evident either.

I almost disabled my account, but I wanted to first publicly apologize to Scott and BP for my role in perpetuating anger on this thread before doing so. 

First time was in the finished basement bathroom of a split level house that already had a nice tub with tile surround on the main floor, so we figured the buyers would like a walk in shower as well (great for elderly or disabled people or washing pets).

Subject to is short for getting the deed subject to the existing mortgage.Pro's:- quick transaction- no closing costs (or very low - just the cost of recording the deed with your county)- since there is no or very little costs, if done correctly, it's a way for him to pay off the mortgage (once YOU sell the property) without having to bring money to the closingNOTE: usually, sellers agree to selling the property subject to because their properties don't have any equity, meaning that if they sell the traditional way, they will bring cash to closeCon's- since the loan or mortgage remains in his name but the property is in your name, if something bad happens to you (death, disability, incapacity), then he is still obligated to pay the mortgage.

I already feel like her irresponsible actions have put me (and herself and family) at risk so I'd like to just disable the furnace and provide her with those oil filled space heaters to dummy proof things abit.

So she is liable for all income taxes etc, plus he owes all insurances and SS Disability etc.