Your scenarios would be to see if they would partner if you bring the land to the table (and I am sure additional incentives) or have them quote a sq foot price to build a spec.

I don't think mold is an issue.as far as the drainage system goes we put in what is like a French drain.

If the tables were reversed you better believe when you the landlord gets in trouble for running low on reserves and paying your mortgage note the tenants will say "tough not our problem".You put a process in place and condition your tenants to perform with paying rent on time.

Most of the time you have to be bringing SOMETHING to the table (time, money, or experience) so definitely get out there and network.

But unless you are bringing 100% cash to the table, you will be forced to carry property insurance to back the loan.  

Sure, maybe I'd only be willing to cash you out for $5k or $10k, or maybe you bring enough value to the table to partner with.  

Am I going to have to bring cash to the negotiating table in order to find a great deal?

Hi Gino,I appreciate your answer and I would be glad if I could use a similar approach.For a better understanding, let be try to sum up my situation.I am a 73 years old french citizen living in France.

@Ehab Shoukry I create amortization tables for my clients (if they don't provide them) and record their mortgage and escrow payments each month.

Amerisave has some very competitive rates along with rate/point tables.