The offer is still typically (100% of my transactions since August 17th last year) asking for my buyer agent commission to be paid in the agreement..

Chapter 13 is where debts are re-organized and paid back over time in monthly payments.If someone has filed either chapter 7 or chapter 13 previously, they are less risk than someone who has never filed.

@Nathan Johnson "Our savings are minimal, since teaching isn't very lucrative and life is expensive."

This would effectively cover your mortgage and significantly reduce your living expenses.

Costs include a conversion fee, potential property upgrades, and legal expenses.

This home has been highly operational with high rates of occupancy, bringing in anywhere from $500-$1500 a month in overage beyond our monthly expenses.

It scales up to 37% once you get to around $12k of income but the UBIT is calculated after the first $1000 is deducted along with expenses and depreciation again only on the same % the property is mortgaged.

I see the discussion, but it's talking about the amount "Jim" can take for the next loan, not anything about the time period between when one loan is paid off and the time until he can request a new loan.Asking more out of curiosity, I would be surprised if John Hancock had something incorrect posted on our retirement plan web page. 

This home has been highly operational with high rates of occupancy, bringing in anywhere from $500-$1500 a month in overage beyond our monthly expenses.

the property tenants paid for my wife's new car that we needed.