I would fill out a 1003 app, get a 12 month lease with 12 month extension if she pays well, send her to a mortg loan originator with the 1003, give her a ROFR (right of first refusal), send her to upgrademycredit.com to improve her FICO, go to the bank and have her do a auto withdrawl savings for 1/24 of 3.5% for 3.5% in 24 months to get a FHA loan later in 24 months.1003 app

For example, there was an extension cord power strip that was spackled into the wall,  the front facade was good, but the siding all around the rest of the house was so bad, we could poke through it in places, and the list went on.So my question is several fold.  

If that is the case here, and this contractor seems to have a track record for providing the type of quality and service you are expecting, then I would suggest to proceed, but cautiously.As an architect, my clients ALWAYS use extensive language in their contracts and in specifications that protect them, regardless of the nature of the contractor.

If you have a year or more - you are really free enough to quit if you have any kind of marketable skill at all.Scott - there is extensive research on 'safe withdrawl rates from a diversified portfolio' and 4% is a pretty common result.  

It's my impression Dave gets the loans performing.The issue with having NPNs can get into servicing matters that an individual dealer won't really be able to be compliant, restructuring any note is a new extension of credit and federal laws need to be followed just as if you were making a new loan.Get a note servicer as soon as you take a note, in fact, set it up before you close so that notices can be made as required and the next payment due (regardless of it being paid or not) will be going to the servicer.

That there will be no delays or extensions.

@Khaled Ejaz ,I'm with @Sorab Gakhar on the long-term appreciation potential for both Pittsburg and Antioch due to proximity to various employment centers, BART/freeways (& extension eventually out to Brentwood I believe..), on top of being one of the most affordable places in the Bay Area.

Another tip, boxwood shrubs will help hold the soil in place, what I used, check with your landscaper for shrubs that don't have extensive root systems.

Borrowers can use extensive terms against you, it can be seen as predatory.  

We are on our second extension with the current note holder and they just want their money.There's no more time to begin yet another long loan process.