The alternative is to look for private lenders to refinance the house.

The alternative is to look for private lenders to refinance the house.

Alternatively, you could buy a sub $40k fixer upper and offer it as a $60k with a 10 year owner finance deal with $20k down, no credit check.

A free way to get an alternate number is Google voice and it transcribes the messages for you.

Its really a math problem to figure out what's the cheaper alternative.

I would use two alternating tones of a darker brown or green base color.

They do not have the time or the motivation to invest even next door so they are looking for alternatives.

Being worse than alternatives will cause to have to cut your rent.

How much cushion to build in is probably a personal preference you'll have to determine balancing your risk tolerance, worst case scenario management, the liquidity you have available to you that you've built into your model, and alternative contingency plans.Here are some ideas on how to structure your reserves and emergency tiers:Tier 1 - savings, checking, and personal property reservesTier 2 - capital expense reserves for rental propertiesTier 3 - lines of credit available via HELOC's, SBA 7(a)'s, personal lines, asset based LOC'sTier 4 - cash value life is a good alternative if you know how to utilize these policiesNot to be used in this exact order but each situation can vary.

Here's an alternative then: I could just keep this as a rental and sell it 1 year from now for $220K.In a rent to own situation, their option to buy is useless until they exercise it.