Filing/recording the mortgage is what establishes the creditor/lien position and puts your ahead or behind other creditors who may be using the same property as collateral (secured and perfected vs secured but unperfected).

Last think to consider when purchasing a home is utilizing a 401k loan if you have a 401k established.

Loans are underwritten by Fannie Mae’s Desktop Underwriter (DU) or Freddie Mac’s Loan Product Advisor (LPA) which based on the loan application will decide on reserves needed. 

You must establish a contingency fund, pay closing costs, and save for the down payment.

I've connected with a few investor knowledgeable realtors through BP in different markets to start researching areas and building a team of mentors and advisors.  

In Austin, I know Horizon Bank has been open to more creative financing strategies too, so it’s worth checking with them.One thing to keep in mind is that the terms can vary wildly depending on the institution, so I always recommend reaching out to a financial advisor who’s well-versed in life insurance-backed loans before pulling the trigger.

An established Business doesn't require them to do lot of marketing.

Some states require an established relationship with the health professional, not just one evaluation, but many others, it’s just a letter from a professional if disability and/or reason for animal is not readily apparent.

Hi, this is definitely a great question for a lender/ professional financial institution advisor they will steer you in the right direction.

As an advisor, I am just giving you my opinion.