What you can legally do and how it will get done are two different things.

In this market, cash is more important than a fractional difference in the rate. 

Over the next 5 years we'll tap into USDA and state wildlife programs to completely rehab the grasses, shrubs, deciduous and conifer trees with no less than 4 dozen different plant species seeded or planted.

Cutting back on the alcohol intake and getting enough sleep made a HUGE difference for me.

Each situation is different.

I don't know if you have a full pipeline of deals or something, but unless you have a ton of volume of solid CRE deals, most lenders are not just going to be available or out there the way residential lenders are because of the different types of lenders, and then the subset of focus from each of those lenders (there are many lenders that play in the same sandbox but don't have the same appetites). 

Over the next 5 years we'll tap into USDA and state wildlife programs to completely rehab the grasses, shrubs, deciduous and conifer trees with no less than 4 dozen different plant species seeded or planted.

There is no magic words, different situations and people will dictate the conversation.

After going back and forth with different people about what our best option was (submitting an invoice to be paid at closing, signing an option with seller and recording it, etc) we decided that the best and only sure way this deal could happen was if we recorded an "Affidavit and Notice of Interest in Real Property" (which states we have a contract on the property) and put the buyer and seller in contract directly.  

Reality is you can get more info from BP and more education for free or on youtubeIf you want to join a community, join a small one where there are people doing different deals and have experience.