But I definitely think you're right in that there is not a clear distinction in terminology between private lenders, who are using their own, or a small pool of associates', money (often self-directed retirement funds) and institutional lenders.

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Seller returns it a few days later with some mark ups, we go back and forth this way a few times, and when everyone's happy and the LOI executed, the attorneys draft the contract and hash out the details before, during, and after DD.The distinction is that an offer/LOI, if accepted, usually (check your local jurisdiction) only binds the parties to begin or continue negotiating in good faith, nothing more.

Your responses add additional flavor to this topic.

Hey guys --It seems that some people are having trouble making a distinction between our PRO and PRO Basic accounts, and I believe that if we make a more clear distinction between the names, we can clarify any confusion.Right now, if we talk about benefits of PRO, our PRO Basic users think we're talking about them -- even when we're not.

I feel like we keep doing this... you're presenting like 10 different scenarios in the same breath, and then missing the distinction between each one... and then thinking you're catching me in some gotcha when you're actually just missing the point I'm making.When comparing two payoff strategies that end on the same date, you compare the savings side by side, over the life of those loans, not the full 360 months.As for the rest about Hondas and whatnot, I have no idea what point you're making.

I want to scope it out and didn’t come across the distinction in my first reading of the law. 

If we have 2 distinct lists, we are trying to alternate them so every 2 weeks we have mail hitting.

Illinois law recognizes the distinction between the assignment of a right and the delegation of a duty and recognizes that an assignment can involve merely the transfer of a right.

A recent discussion with the state's lead investigator and head attorney made that distinction VERY clear.