(avoids probate complications and maybe estate tax, if that is a concern... not for me)However, since they are in an LLC in my name, I don't know if it affects my ability to do so... any thoughts.http://www.transfer-on-death-deeds.com/transfer-on-death-deeds.com/Home.htmlhttp://www.nolo.com/legal-encyclopedia/free-books/avoid-probate-book/chapter5-1.html

James Vermillion- That's true, in a perfect world I'd love to have that all paid off before December.I have a question (one of many to come, I'm sure): I keep seeing something called "yellow letters", and when I looked it up, it looks like handwritten letters on yellow legal pad paper.

Not a practice I am condoning necessarily, however I know in the past this has been strategy of investors, i.e. buying the property in their personal name, financing the property via conventional loan, and then moving to an LLC for legal protections afforded by an LLC.

Something like $100 a phone number and the agent keeps all the commission as I believe that this is not considered a referral fee and is therefore within the legal boundaries.

That said, I will *not* be claiming a charitable tax deduction on the donation, so I would imagine that it's 100% legal for you to take the deduction.Here's proof of the payment (email receipt from PayPal):http://imgur.com/fEUfnOG

(you can check with your attorney for his legal opinion) Should anything come up down the road, that should help protect you.Also, before closing, do a walk through and have them sign off.

They should not be able to reattach any loans as the legal owner has now changed.

I've seen many dissolve and end with legal issues.

IMO, many HMLs don't understand this and take advantage of a situation to advance thier self interests irregadless of the outcome to a borrower.A good lender can assess the risks, the viability of a project, understands the market, is aware of costs and liabilities as well as the legal aspects surrounding the business and from that determine what rate of interest and fees is ethically justified on a case by case basis.

If a family of Mom, Dad, and 3 kids fill out an app, you can not legally discriminate against large families.