And since the qualified mortgage law in 2010, these loans have remained solid, and thus, so has the mortgage securities market.

Commercial bank loan How did you add value to the deal?

thx experts There are certainly a lot of factors that go into the decision - keep in mind to there are multiple options with no prepayment penalty, so while there will be costs associated with the refinance - a no-prepay-penalty loan to purchase (at low leverage) can make a lot of sense as you can refinance later when rates inevitably come down, but don't have to time/guess when that is

Is seller Financing a better option versus using the FHA loan to find a property?

I purchased property 11 years ago and the owner financed the loan for me.

You can't seller finance mortgaged properties, there is a due on sale clause, the bank calls the loans...more over your expectation that I'd have steady income for 30 years is strange.

I looked at Parma but it’s kinda hard to have positive cash flow now with the conventional loan route.

We put 3.5% down on a conventional loan.

How would that work if the property is being owned by two unmarried joint tenants with rights of survivorship, with only one person on the original loan?

@Kyle StewartIf you have loans on these you are going to spend tens of thousands in legal just to get an agreement together that the bank would approve.