I am not convinced and I ask biggerpocket as I think I should ask that lender attorney to get a haircut.

Do not ignore it.2) I seriously doubt a seller is going to take a $100k hair cut off asking price.

If you do a mortgage at 4.5% interest and it's a 30 yrs you will get a much bigger haircut on the sale of the note as investors generally look for much higher return and no one wants to wait 30 yrs.

Also, the days of selling a note to another bank on an individual basis are more urban legend than reality these days and no, it won't be for pennies on the dollar, it will be fair market value minus a factored haircut amount based on expected yield/return.Your post was kind of vague to opine on anything substantive.

You can get a hair cut at Great Clips for $20.

Everyone gets their hair cut......

There's a saying that goes: "Never ask a barber if you need a haircut."

Funds from your prior employer-sponsored 401k could be rolled over tax-free to your new Solo 401k plan, preventing them from getting a haircut due to taxes and penalties on early withdrawal.

I never ask my barber if I need a haircut, and neither should you.

If they had to take a 30% haircut on their investment it would provide both a financial emphasis to stick it out for the long term or a significant economic upside for the buyer of that persons stake.