I shall keep always in mind that we are dealing with a sensitive population.

Will is in CA, one of the states which has strong usury laws so he is probably more sensitive to the usury issues than is necessary.

I did.As a Broker in California I dont like the California Association of Realtors agreement for buying, its way too friendly and doesnt have a lot of teeth.

In the past year they have added some real teeth to the legislation and real complication to the regulation.Mold related illnesses are also in the sights of attorneys.

It is like pulling teeth to get an actual phone conversation out of him.

We've cut our teeth on the NPN's since 2008 and the returns have been great for us, but it's also added some workload as well, but its also nice with a chunk coming in regularly that are now performing monthly.As far as the comment on guru's telling new wanna be note investors to mail out mailers to track down new owner financed notes, I couldn't agree with you more!  

How do I broach this subject in a sensitive manner. 

We've been able to close them in less than a half hour (with a lot of wailing and gnashing of teeth). 

Leaking roofs cause huge amounts of unseen damage to the structure, and are a major source of mold that may become an issue if the tenant is sensitive.

The courts have been traditionally sensitive to this issue.