I encourage you to open some threads asking those questions as not all of the topics you bring up are best suited in this thread and this one has been hijacked enough.

I like to encourage people to narrow down your "next step" even further.

I'm actually glad you reached out, I read your info alittle while ago and was encouraged by your growth.

My attorney has been encouraging me to get the latter to originate our own loans but, to date, it’s been just too easy to for us to use our broker.

First, if your goal is to quit your day job and live off your rentals, I'd encourage you to make the transition to multi-family as fast as you can.

I don't want to be a naysayer, I instead view it as a way to encourage you to go after what it is you were passionate about enough to investigate investing in real estate in the first place!

Sounds encouraging.

@Jay HinrichsIts a different world Jay.For some investors its hard to swallow so I encourage that it might not be the right investment for them.It sure is.

@Steve Endress Thanks for the encouragement of knowing that this strategy can pay off.

Now, if the listing agent thinks your offer is better for the seller (I can imagine a few situations where it wouldn't be), the agent could inform the bank that there is an offer that would satisfy the full lien, and "encourage" the bank to decline the current contract.