-Willing to give me their cell phone number.

Coffee / drinks / dinner which ever works.

I was thinking about opening up the conversation about owner financing again, with some language in the note that it will come due 90 days after he passes or 3 years, whichever is later. is this too weird?

Think cell phone and cable.  

If I worked over my cell phone plan and killed my cable bill, my expenses would drop another $300(yes I'm overpaying on both).  

HI Stephanie,I think you may have mixed a bunch of guidelines together so I will keep them separate:- rate/term refinance as opposed to a cash out refinance is designed only to payoff the current outstanding lien the borrower will get nothing over $2,000 or 2% of the loan amount whichever is less.

It's an app you can find on Google Play app store for Android phones (I'm sure it's available on the Apple app store, too) that basically adds a second phone number to your existing cell phone that you can text, talk, and set up a seperate voicemail from.

I'm using my cell phone to post and it comes out as a big block text with no spacing.

Whichever is greater is what you do.

with delayed finance you can refi the cost of the purchase AND REHAB but most people say you can only get what you put in because they don't know the rule. the rule for DF is 75% LTV or 100% of HUD whichever is lower. so when you close on the HUD make sure you put rehab and insurance costs on there. you'll have to pay for it all up front and disburse through escrow but you can get it all back.