This has been discussed several times on BP and is obvious to all non-agents and non-brokers.

**Rent Credits Discussion**The rules have changed for mortgage origination, and your Mortgage Broker better have done 100 Lease Option Originations over the last 2 years or you are wasting your time.It is important to understand that only the portion of the monthly payments that is above market rent can be considered as a rent credit towards the down payment.

Chris - This is not the place to promote the program - it is where we discuss it.

If the insurance is not escrowed with payments, just cancel the old, and get a new, as described above.As long as the asset/colllateral for the mortgage is insured, the lender is protected, they don't care what company you use, or who holds the title, especially if its in a trust.As long as the house is insured, payments are current, you'll have no issues.Sadly, many people THINK changing insurance causes issues with the lender and the title change.However, after YEARS of subject to investing myself, as well as thousands of discussions about this method, I have yet to have a single person back up that claim with proof.Besides, bottom line, at the moment, lenders have other issues more pressing than messing with a PERFORMING account/loan.When you get new insurance, make sure its fire and hazard, and includes liability, rental dwelling/non-owner occupied.

Please disclose further your relationship with all companies you are discussing.

This discussion is already going on here on the forums.

Dustin,What you have explained was similar to a prevoius thread I wrote in that Tom C aqnd I were discussing earlier in this thread.

Now there's a term that stirs up discussion.

This was discussed here a while back, and there was no consensus.As far as I'm concerned, its not 5%.

Congressional hearings discussing seizure or tax of retirement plans.