But, as you implied, a lot of lenders won't 'get it' so I'd prefer to assign it back to the seller so that from the lenders point of view, he/she just thinks it's a standard lease option and won't even know an assignment took place.So, I'm going to ask you to humor me by pretending you did assign it back to the seller AND that the buyer's option fee was released directly to the SELLER.

Wholesalers need to identify themselves as wholesale not pretend to be a cash buyer!!!!

They splash out of steaks, a new grill, etc.And if they win big, they get a new car, etc.If you earn $100k, you spend $100k.People cannot break that cycle of spending everything they have.And despite all these gurus pretending it's easy, this is still a rich man's (and woman) game and it takes money to play this game. 

I try to pretend that the property I buy will never appreciate in value.

Let's pretend that your number is $100,000 that means you are asking for a downpayment of $30,000.  

It seems optimistic, but I won't pretend I'm an expert.

but saying "perfect for students" is steering, and will probably get you into trouble sooner rather than later...I am not a lawyer, and I don't pretend to be one on TV either...

If I take $180k (a possible original loan amount) and plug it into a financial calculator for a 30 year fixed and 3.875% rate, it says the P&I payment is $846.If I tell it to pretend the P&I payment is $200 higher, $1046, and ask it to spit out the effective current interest rate, it spits out 5.715%.If I suppose that you've had this house for 3-5 years and don't want to go back to year one of 30, then you can look at a 25 year fixed.

I met someone who used to pretend to be horribly allergic so someone else would have to do it.

Any Fannie lender with an IQ greater than a mousepad can offer it, but homebuyers in California should of course pretend it's some amazing thing that only I offer.