Points are just another way, another shinny object for the lender to maximize profits on your loan.

There is a FAQ section on the tax sale auction website that explains it a little better than I probably have!

I think that sellers who provide financing are few and far between but I'll be happy to explain what I do, as I'm not in the forum to help out rather than promote any product or service.

I've traded some pings with a few people but they are realtors, lenders or they represent their interests and not sure I'm getting objective information for MY interests.I want to shorten my learning curve, avoid costly mistakes, and shape a strategy and goals.Thanks for any guidance on the topic.

I will often call my trusted handyman, explain the issue to him, and he will tell me whether it's something I could fix myself (<1hr of labor) or if it's something that's a bigger job and it's better to bring him in.

I need everyone who has responded to get rid of the tenant to explain WHY.

If you were able to start your journey without your own money , I’d appreciate it if you could explain how you got there.

I haven't had "the talk" with the bank yet to explain that my house is rented over the mortgage for two more years, so it shouldn't show toward my Debt to Income and would like to hear about some experiences that people have had with that.I have access to hard money as well so if anyone has done an auction house and then refinanced after that would be good to hear about as well.

They will be able to assist you better with explaining what you should do to be approved for a mortgage.

Of course I tried to explain how holding onto debt would accrue more debt rather than paying it off now with a debt consolidation refinance and having a perfect credit score by then...