Hopefully Jason Scott at 123flip can chime in.There is another aspect to this.

We have notes in Texas but most people refer to is as a mortgage so I was trying  avoid confusion Texas uses a release of lien when the loan has been satisfied 

I'm most excited for the networking aspect, in hopes to develop countless lucrative relationships with people like you!

They only focus on death taxes and probate avoidance.

I'm trying to reach an account manager to negotiate a sale price, what they're claiming is owed is more than the market value of the house.I should also mention that my neighbors lawyer seems to think that he is no longer eligible for our state's foreclosure avoidance program because they never went and got help years ago when the finance company would have sent them letters for it.

High Severity, high frequency-  AVOID it. ( DUIs)- this is mostly uninsurable or insurable with very high premiums. not worth it, just avoid it. 

Biggest thing about any aspect of wholesaling is buyer's.

You and @Paul Sian share sentiments of the sticker shock aspect of Northside it seems.  

Roof has been repaired but it is overall just old and in florida I am holding into account I cant avoid it forever with my numbers.

Whether you go 15 or 30, that aspect of financing remains true - your tenants are the ones paying your mortgage.