If the other guy had a spent it I’m not sure exactly what the bank could have done do that account holder, but I can assure you I would have insisted they made it right with me.

> I assure you the words “quiet enjoyment” are not in their vocabulary.

My realtor assured me the house was not stale.The next day, an offer at asking with a four-day inspection contingency materialized.

Addressing the seller's concerns:Other than forfeiture of my cash down payment of $65K in the event I default on my promise to make the monthly loan payments, I'm thinking of adding the following to the transaction to provide additional assurance to the seller:I set up a separate escrow account and agreement in which I (buyer) deposit 1 year's total payments in advance from which the note servicer would draft the monthly payment via ACH (autopay).

I assure them that I do own the property and they have nothing to worry about. 

This is an out of state condo that I plan to live in within a couple years, so I feel like she's out there laying a foundation I'll have to work against to prove I'm not some rotten slum overlord, which I assure you I am not. 

We talked to someone from city hall today and he assured us that this is actually an undeveloped road, that the city has it platted as a road, and the city considers it a road, even though when you actually view the property, the road appears to be just a grassy field.

If interest rates go up (I paid 9% on a 15 year owner financed loan on the first house I bought in 1987 and was VERY happy with that deal), rest assured these subject to loans will get called.There is a lot of discussion here about subject to.

This is the time when I'm so sick of my low-income tenants.Turns out that some of them just don't want to spend the money to have the gas turned on and go through the winter with a space heater heating 1 or 2 rooms.In addition to that being a fire hazard, it assures that the pipes freeze and burst.

It assures that my family is taken care of until we have a large networth and then insurance is worthless when you can pay for any situation that may arise.