However, I lack experience in the USA market.I propose a hybrid investment model where the lender provides 100% financing for all costs and becomes a co-owner of the property.

Unfortunately, the proposed restrictions were most likely legal and, I guess, would have survived litigation.

Your desire to avoid a few pennies in taxes makes for a very convoluted description of the proposed transaction.

I’d like to give a proposed notice to vacate, and if payment is not received by X days, follow through with an actual notice to vacate.

I wasted 4 days to be certified, and it was proposed that they have all the funds to loan out.

So their proposal was that I refinance at the same interest rate.

Hello @David Sanders.

@Jerry Sanders nice meeting you!

Maybe I could alter my proposal so that they never actually have to put up the cash, but instead just earn a fee for reselling for me.With the put option, I am essentially acting more like a bank for them and freeing up capital that they now have tied up in these loans.

.- thanks   1) on the  1st mtg  refinance proposal at 4.1%  -  sounds like they are  offering you the  higher note  rate  so they can  absorb  some of the closing costs .....make sure you get a loan estimate and  review the details about them picking up all costs  ( titel / escrow / recording /  credit  etc ...)    2)  also  check the  index / margin and  caps   on the new  loan  offer   and  compare these to the  present loan  details  ...if you  keep this loan past the   rate/ payment  adjustment  period - you want to make sure  you  are aware of  how the ARM  can  change   3) the offer  to  do  " free  "  refinances in the  future  is  no  big deal  beacuse  any lender  can offer this  via  a higher rate  to  absorb  all costs