Ive attended the seminars like i see many people on here have and have gotten the same results.." in order to REALLY get in and be successful with us you have to pay blah blah cant afford it dollars" so... i realize the scheme with the big companies but i simply want this one question answered.

In the big scheme of things whichever option you choose will not make a big difference

Also I really don't want to get a phone call/email every time they feel the light needs cleaning.On the other hand, the problem is a small one - I've gotten to the point where if a problem is cheap and easy to fix, it's not really a problem in the grand scheme of things.

There is alot of CYA in lending, if you're going to be in lending you need to accept the risks, nothing about your affidavit there Hans, but I've seen alot of disclosures and paper work as well as schemes by lenders trying to avoid issues.

That's why there's so many people get away with scams, and Ponzi schemes. 

He was just using that "guaranteed funding" scheme to get people to sign up.

So, if you areed to pay Y but raise it to X simply because the appriaser agrees that it "could be" X does not make it X and the real sale price is what the lender relies on to establish the loan to value, to assess their risk, to insure their portoflio, to set loan loss reserves...etc.Now, some government loans (FHA) actually allow a price to be raised, but only with the amount being disclosed and known from the real sale price and with the appraisal covering the additional amount (like closing costs) this is entirely different than the scheme outlined above....Bill

I wonder if that's a Ponzi scheme. 

In addition the seller has given you the buyer a deed and if you don't perform they are generally SOL as you walk and their house gets foreclosed by bank because they don't have the means to cure. and now they have a full blown foreclosure on their record.There is a ton of abuse in this model with under capitalized sharks talking unsophisticated sellers into this scheme...

@Jacob Pereira Well those increases are pretty nominal in the grand scheme and wont change your important results significantly, and could very well be offset by the increase in rent (which appears to be very reasonable given your market).