This (larger) mortgage was subsequently “modified”.

@James Wise  I have no business interest in Cleveland but I am going to go there just for those :)on the subject the OP sent me the JV agreementand its a modified HML deal with a pref return to the HML that is placed on the property then they take 50% of the deal after paying hardmoney rates..

The ultimate "end" goal for us is to create the financial freedom by our early 40's (about 15 years) to allow us to spend extended summer vacations with our east and west coast families.I am a bit of an Excel geek, and have spent countless hours analyzing both multifamily and vacation rental deals using a modified version of J.

If you are a borrower and you are in foreclosure, you either sell it and pay the loan off before the foreclosure sale or, you reinstate it before the foreclosure sale or, if you qualify, you modify it, before the foreclosure sale date (You do have a right to have the foreclosure process stopped while in review for any alternative to foreclosure provided the notice of sale has not been inssued).If you do not do any of the above, you lose any legal right to reinstate the loan once you are within 5 days of the sale.

I use a standard renters agreement that I have modified (for snow shoveling) and so far it has worked.

Is there a required form that is required for a residential lease agreement. is it possible to write your own lease agreement or modify an existing one?

@Joe S. has the correct answer, but I will modify it slightly - "choose a degree that makes good money" but also that you are interested in or enjoy the field of study - I'd rather make less and enjoy what I do for my W-2 job than make a bit more and be miserable.   

Banks could not charge more than 10%, such laws have been changing with the SAFE Act/Dodd-Frank bitter pill taken by institutions and have been modified allowing higher rates for such lenders. 

I work with a lot of younger military members in and around Pensacola and frequently we are looking for something for them to occupy while they are stationed here(but potentially rent out rooms for a modified house hack) and then rent out once they move on to their next duty station. 

Maybe you think one backsplash would work better than the homeowner's preference or a modified kitchen layout would improve resale value.