These instruments are long term (5,10,20 yrs) when you pay the principal down, you can not use the money again ( it’s gone) A refi can still be a powerful debt weapon if you are buying an asset that is going to produce enough of a return to make the cash out refi worthwhile.In the case of this forum, a large amount of equity is in play.

—The doctrine of the right of survivorship in cases of real estate and personal property held by joint tenants shall not prevail in this state; that is to say, except in cases of estates by entirety, a devise, transfer or conveyance heretofore or hereafter made to two or more shall create a tenancy in common, unless the instrument creating the estate shall expressly provide for the right of survivorship; and in cases of estates by entirety, the tenants, upon dissolution of marriage, shall become tenants in common.History.

A warranty deed is the preferred instrument.

But there are many convenient financial instruments that allow you to hedge your positions.

What do YOU think happens if you are sitting on a fixed yield instrument and suddenly interest rates increase by 1% or more?

They may or may not do anything but if it is within the terms of the note and security instrument, they have a right to act in accordance with those terms.

What security instrument are you suggesting; deed of trust or mortgage note?

I understand how a land trust can "hide" the fact that I own a property but how can a land trust or any other trust instrument directly offer me liability protection the way a corp can as some on this site seem to suggest.Thanks,

Real Estate ContractsAre you collecting payments on any of the following instruments generated from the sale of real estate?

Dan, first, I have no clue as to what is required in India, unless someone here is from there I'd take those questions to your local authorities.Mortgages are pretty much exempt from SEC as they are regulated elsewhere, that doesn't mean the root of the instrument is totally dismissed as a bond.