THIS PAINT THINNER IS CONSIDERED A WEAPON OF MASS DESTRUCTION IN CALIFORNIA"... etc.Tiger claw the paper, spray it down generously with your absolutely noxious-smelling concoction, wait maybe 5-10 minutes, and then go at it with a 4" drywall knife.

The "tenant" writes a check for too much money for whatever reason they can concoct and gets you to deposit it into your account and send the overage back.

I know this is obvious, however, incarcerated people have an awful lot of time to sit around and think about things, perhaps concocting and fabricating as the situation permits.

Like others have said earlier, who cares about APR if you make a decent profit and sell the property before your loan comes due.APR is nothing more than a government concoction of fees that does nothing but confuse most borrowers and frankly the average loan originator.Saying 11K in fees is high without analyzing them is wrong.  

I would not concoct one and provide that to a new lender.

It seems to me that most of that nonsense was concocted by retirement funds managers and some others who make their living off retirement plans.

After having read what I have posted below, I have concocted my own conclusion.

Over the past 5 months doing research, that is the actual foundation of my plan that I've concocted.

Allowing "consumers" to borrow at one rate and forcing "investors" to borrow at another because the gov-mint concocted some GSEs to set money prices that were previously rationally driven by the market is what is unreasonable.

I guess the part where I struggle is understanding how paying fees, getting a higher interest rate, and not being able to extract 100% equity anyways would end up being a great savings plan.I wonder how much I'd save if I put the costs to even get an HELOC and any incurred during the life of it towards the mortgage instead, aggressively paid it down, and kept my emergency savings fund the same rather than growing it.I imagine there are a few fringe scenarios people can concoct where paying money to use a loan to pay a loan saves money, but not many real world ones.