Or fix the unit you are in...play musical chairs.

Drafting instruments for the client to execute, sending HOA Estoppel Letters, etc.3.) 

Someday the music will stop and some owners will get hurt to some extent, either simply not achieving projections or catastrophic deal destruction.  

The note is a legally binding financial instrument that is registered with the county clerk's office as a lien against the house.

I do work very hard, and I make money on the side producing music videos (one of my passions) in addition to working full-time.

This is a question for a local attorney but in general you will want a mortgage note and trust deed if you're in a trust deed state some states are mortgage only (both note and recording instrument is built into one document).Usually the attorney or escrow/title company acting as the intermediary will coordinate the closing documents for the rest like evidence of insurance, title insurance, coordinating notary.Hope that gives you a good start on the process.

If all or any part of the Property or any interest in it is sold or transferred (or if a beneficial interest in Borrower is sold or transferred and Borrower is not a natural person) without Lender's prior written consent, Lender may, at its option, require immediate payment in full of all sums secured by this Security Instrument.

While Charles mentioned that as a carpenter you will want to know.....but I did not see where you stated your experience orskill level.RE is not the Music Man, where you can use the "Think Method" just because you think you can does not mean you can.

A secured debt is one in which you sign an instrument (such as a mortgage, deed of trust, or land contract) that: Makes your ownership in a qualified home security for payment of the debt, Provides, in case of default, that your home could satisfy the debt, and Is recorded or is otherwise perfected under any state or local law that applies.In other words, your mortgage is a secured debt if you put your home up as collateral to protect the interests of the lender.

Do they use "trust deed", as opposed to a "mortgage" as the name of the instrument to secure the loan there?