This shows you're open to improvement but won’t let a picky guest's minor grievances dictate the narrative.Avoid Emotion: Keep the tone neutral and professional.

Each lender may dictate a different outcome but you are having someone experienced (attorney) work on this issue for you.Good luck

The security allowed will be dictated by state law, you don't choose what theory you lend in.To get assistance you need to run it by an attorney and probably a RLMO, getting involved with investor types in seller financing usually lead to issues regardless of the deals they did, especially in another state.

It states that it is not intended to instruct but rather to dictate the rules to a knowledgeable person. 

They are dictated by the US FOIA laws, we don't set them.

Many times the market dictates and there's just not anything you can do.  

There will likely be local regulations that will dictate the maximum late fee that can be charged.

As far as my investments go I see myself investing in my general area of PA, which is the southeastern portion generally consisting of the suburbs surrounding Philadelphia OR in the northern part of Delaware, since I live so close to the border between the two states.I guess the market and my criteria will dictate where my investments are made!

Your tenant does not dictate the terms of the lease or the rental rate - you do...  

Thanks for the insight Think the best advice in the current market is to run the numbers, know exactly what returns you need to pull the trigger and then be aggressive with offers, well under asking if the numbers dictate