Daniel,Conventional mortgage loans generally don't contain a prepayment penalty, as you have mentioned.Generally, your best course of action is to send two separate checks, one for the payment, the second marked "Principal Payment", along with a letter stating it as such. 

@Mark S.It's the BLACK level, not the BLACK-OUT level.

We've provided bags (3mil contractor type plastic bags), boxes, tape, and a marking pen before.

I put zero mark up on the purchase price (No assignment fee).

@Mark Hoover, if you get that many, use a check reader for scanning and uploading. 

And revisited the Rich Dad Poor dad in Amazon and found more books by Tom Wheelwright, Garrett Sutton, Morris Invest, Grant Cardone, Clint Coons, Mark Kohler, Dave Ramsey, Tai Lopez, Pustejovsky, Bigger Pockets etc.

The 5 year rate is the most competitive and many investors will do a 1031exchange at the 5 year mark.

Mark- what will be the max LTV for the holder of the 1st?

Originally posted by @Mark S.

Welcome to BP Mark!