I have reason to suspect the trustee also has a title with her own LLC, a Land trust, or some other form of separate ownership documents for her self on this property, and hasn't told me or my sister, who knows nothing about real estate, and doesn't care.

We are actually in contract on a property right now.

So yes, more expensive homes with lower rates can be different than cheaper homes in higher areas but then actual principal, interest, and insurance will likely do the off-setting. 

If I was in your shoes, I would have them be actual partners and guarantee the loan with you.

It might force me to actually finish his program.

I say that to say they are getting much better with phone response times, and will even do callbacks now.If you or anyone you know need to call for whatever reason, call the office in Ogden, Utah if you have a choice (some forms list multiple locations to call).

How do you know they've actually been living there? 

V.G,This was my initial reason for being too conservative.

Kindly give the reasoning behind your choice.thanks!

I contacted a few people who actually invested previously.