You are not realizing what you've gotten yourself info and the kind of advice you are giving... educate yourself and get out while it is not too late.Here is a good read with interesting title "Indexed Universal Live: A Rip-Off with a Fancy Name":https://www.aol.com/article/2014/05/15/indexed-uni...

There are tons of articles on how people have actually accomplished creative finance methods. 

Read this article it will tell you everything you need to know https://www.biggerpockets.com/renewsblog/2006/11/2...But basically your the middle man (or women)  selling contracts. 

I have not come across the answer through videos or articles or communities or anywhere about having to catch up the HO to make an offer.

Here's a good article about it, "Higher Cap Rates, Lower Property Values Not a Foregone Outcome from Interest Rate Hike"http://www.costar.com/News/Article/Higher-Cap-Rates-Lower-Property-Values-Not-a-Foregone-Outcome-from-Interest-Rate-Hike/189511

Good article and congratulations.

Hey,While on a layover I read a article that apple bought workflow and it's now a free app.

Have a look at this article. 

I was just trying to think of an article topic to write on the blogs this week, and I'm going to do one about this now!

They were a recommendation of my realtor (he's used them numerous times for clients), and I was very satisfied with them.