“Nothing down” is a possible and legitimate way of structuring a real estate transaction, IF, there’s full disclosure to all parties involved and structure of the transaction is not merely a way to try to work around the problem of mortgage fraud.  

The title company will ask them for a payoff amount (which is why it should be 3rd party serviced so you know they did not miscalculate things) and then he gets paid off - he does not see the closing disclosure / HUD

Full disclosure, I am a Bank on Yourself Professional and would be happy to tell you more about it and determine if it is right for your situation.

what disclosure should be put at the bottom of the mailer?

Setting forth the transaction as a lease will also save you from the fact that your mortgage is unlikely to be assumable, TILA disclosures, claims of fraud down the line when he's unable to get the financing in a year, etc.

Thank you, I've previously requested a copy of the new Rules & Regs, and now have also submitted the request stating I need them even if I need to order and pay for a whole resale disclosure package, although that shouldn't be required for a long-term owner who just wants the Rules & Regs 

After a closer look into the disclosures, it turns out that the ADU (permitted, junior ADU) was being rented for supplemental income on Airbnb.

=======Michael and Mino Lending and team, please provide Giannina with an explanation as to what happened and why there was a non-disclosure increase in funds the day of closing.

Full disclosure I am in the Midwest so if you're market is drastically more or less cost of living this may vary for you numbers wise. 

In full disclosure, I have not invested with Cardone Capital.