Do not pay and do not let them dictate your decisions.

And if it were commercial, then Dodd/Frank which dictates how mortgage brokers can be paid would not apply.

As other posters have mentioned, the Kansas State law would likely dictate. 

I'd rather not have congress dictate when I can have my money. 

Don't let their emotions dictate your decisions.

Because yes, people from all walks of life have tattoo's and it doesn't necessarily dictate the type of person they are (although the Aryan twins....).and I would have to agree @Patrick L.

Not to mention, if they balk at this, you've done what you can do and now the market will dictate where they live next. 

In my experience usually the subdivision of that home will dictate what you should do especially when looking at future value.

This will dictate how your income will be taxed.You may be required to file an annual tax return with the US Federal government and the state where the property is located in.Good luck with investing in the US!

It's not for the faint of heart, I could never do it.Weather will always dictate where people want to go & jobs, state policies will always dictate where they end up.