Skip the pre-packaged tools and build your own, focusing on the fundamentals.

Typically, sleazy lenders will keep repeating no points and show you a great rate, then when you get under contract and see the Loan Estimate you see that there is a 1% origination fee - basically the same as points just packaged differently.

yup ticking time bomb.. the Note holders always have had and always will have the sole discretion to call the notes due based on the alienation of title.  

I got a person on the "special offer" line, who was selling some kind of auto repair package. 

Provide a curated welcome package with local snacks, a bottle of wine, and a personalized note.

The actual mortgage was packaged up and sold long ago (within a few weeks of closing) in the form of a mortgage backed security.

You're effectively buying a package of 3 properties.

Here's my favorites: Meg Rowlett - Park Atlanta Homes, https://www.parkatlhomes.com/adu-packages, Jeff Cox, Cox ADU https://www.instagram.com/cox_adu/, ATL ADU CO: https://www.atladuco.com/contact, Pop Custom Homes, Tyler Kitchens https://www.popcustomhomes.com/.

But if its just a new vanity, TP package and shower door looking 2k or less.

In real estate, those of us in the game the longest know one fact: if a deal looks to good to be true, it always is.FHA is for owner-occupied, as are most residential loans, so low-money down investment property packages are not the kind that would make sense for you right now.