Today We’re Talkin:- The Weekly 3 - News and Data to Keep you Informed- New Inflation Numbers, UP- The President’s New Housing Proposals are Problematic- The Bottom LineThe Weekly 3: News and Data to Keep You Informed- December Jobs report was revised 35% lower: 229,000 jobs added NOT 353,000.

You can provide documentation or evidence that may support your case for a lower escrow payment.

You would do that with the new loan at the much lower rate.Hope that helps. 

How do I both protect myself and the lender to where we both benefit from the transaction?

I have a seller finance deal I'm working on and that I love because it will be prime rate or lower. 

A hard money loan can lend you up to 100% of purchase and rehab money as long as that is lower than 75% of the ARV (After Repair Value) of the property.

Here is where the strategy comes in:When you move 401k stocks to a brokerage account via an NUA transaction, you pay income tax on the cost basis (And maybe a 10% penalty) but NOT on the gains until you sell. 

Would you consider investing in a growing area with a low CoC % - say 5% or lower? 

I've looked at a lot of condos and houses in the past few weeks and from being in the field I can tell you that the transaction volume is picking up again - a lot of places are going into contract and prices are holding up well.My two favorite investment opportunities right now are single family homes in the top areas that your budget can afford and condos in buildings that were launched 4-6 years ago, are now in the market and have a lot of selling pressure because people who bought pre-construction want to sell and take profits. 

I'm using cash right now and IF rates turn lower Ill refi and keep the LTV at 25% to 35%.