I have a Chase Ink card that gives me 3% cash back at home improvement stores (plus gas stations, restaurants, and office supply stores).....unfortunately I was just looking at their site and the new Ink cards have different categories than mine.

@Michaela Graham in Indiana, at least every part I have lived in, the sewer are owned by the city, and the city has the ability to lien the property for unpaid sewer bills, and any other utility owned and supplied by the city.

the prior resident was an artist so we found all sorts of nice picture frames and painting supplies.

We want to form a partnership where he supplies down payments and I qualify for the mortgages (in my name only) and then add his name to title after closing.

Easiest way to qualify a buyer is for them to supply you with a proof of funds which should be an actual bank statement, or some statement of liquid funds showing enough funds to close.

Now this is a small six unit building, with ALL previous owners gone and new owners either moved in or rented out, two of the six units are in foreclosure and hence vacant, and the new owners are getting familiar with rules and regulations of the HOA documents which are like six phone books, so the questions about who's responsible is met by "...well I don't know either what do YOU think?"

Best to market for private sellers.Be sure you're not violation any real estate board regulations by wholesaling or getting cross wise with your broker.

So while I could see the supply of NPN 2nds dwindling as foreclosures and equity start to take them out , I doubt you ever see them disappear.

You need to consult an attorney in your area familiar with HOA regulations, etc. as to whether or not those terms are legal.

As you have experienced, there are a lot of members willing to supply you with any information you need.