@Upen Patel You made me curious when you say that a HML is a mortgage irrespective of whether it has been recorded are you saying in the sense that it’s a loan on a piece of property and therefore a mortgage or is there another method of legally recording a mortgage?

Don't be scared to lose your earnest money if the numbers stop making sense.

That usually does not make sense.

You may need such a bookkeeper only for a year to get a sense of your cash flow.

The developers have spent millions, it wouldn't make sense for us spend that kind of money. 

@Rousner Ermonfils, if you think you can get a higher return in the stock exchange than your current mortgage interest rate AND/OR you would like to access your money at some point, then investing in the stock market may make sense.

That makes sense. 

Expanding our business through hiring doesn't make financial sense with the risk of capital for very small profit margins. 

Once you know all of those figures, you can reverse engineer the deal to see if the numbers make sense.  

The deed of trust gives the lender a security interest in the property.So, saying you're "now interested in a deed of trust" doesn't really make any sense.