@Ron Masters, The 45 day list is an instrument "in writing" between parties to the exchange. 

Pay for all those kids to learn a musical instrument. 

FHA security instruments require a borrower to establish bona fide occupancy in a home as the borrower’s principal residence within 60 days of signing the security instrument, with continued occupancy for at least one year.Source: https://www.hud.gov/sites/documents/4155-1_4_SECB....

When I was in college I pirated movies, music...

My name is Ricardo (Rick or Ricky work just as well) and I'm a Latin music producer currently living in sunny LA.

Always use a warranty deed to avoid any issues with the tittle insurance when transferring tittle.Also, Ive recently learned Fannie Mae allows transfer of tittle to an LLC without accelerating the note...Fannie updated their servicing guide to state:Unless the previous borrower requests a release of liability, the servicer must process the following exempt transactions without reviewing or approving the terms of the transfer:· A transfer of the property to a limited liability company (LLC), provided that § the mortgage loan was purchased or securitized by Fannie Mae on or after June 1, 2016, and the LLC is controlled by the original borrower or the original borrower owns a majority interest in the LLC, and if the transfer results in a permitted change of occupancy type to an investment property, such change does not violate the security instrument (for example, the 12 month occupancy requirement for a principal residence).

The Howey test is used for franchise agreements, partnership interests, pension plans, and bank instruments...mostly.The form of the agreement and what parties call it is irrelevant, courts and regulators will look at the substance of the contract.For notes, the Supreme Court created the "family resemblance test" under Reves.

Its close by commuter rail, its got a lot of potential in the downtown and its getting better, and it has a great underground music/ art scene because artists can actually afford to live there. 

In my spare time, I watch and play futbol(soccer), listen to live music and read books.I will like to connect with fellow investors, who can I can learn a lot from.

He is constantly parking his vehicle (and others) in the street and works on them all day which I'm pretty sure is illegal while blaring terrible music...