But the profits we see serve as a reflection of the successful implementation of our dream… NOT from preying on free trials for ‘unfiltered or verified data that is inaccurate or disconnected contact info’, as the poster claims.

Prepayments cannot be seen as a profit motive, that becomes predatory, the penalty is to reflect the costs associated with making the loan, setting up servicing and be indemnified under any servicing contract, it's not a profit center nor should the be used to tie the hands of a business borrower.

However, reflecting back on that, I wish I would have done more due diligence on the people involved.  

The main reason for me changing my outlook on investing: I got to a point where I couldn't get any more money which allowed me to reflect on my goals, of financial freedom.

There’s no alleging here, everything we have is documented and your representing attorney has it all, including the initial settlement offer that you guys proposed, with the non- disclosure agreement 🙂@Mario Ray It’s good to hear and see that their reviews are starting to catch up with them and reflect the common occurrences that they claim are out of the ordinary.

I agree, great thread, with tons of info to reflect on- some of which can be applied.

If other comps do have the features there is no adjustment as it is reflected in the price.Doing an entire house, a small house at that, may end up being a deduction as to your value if such heat isn't common for the area and your comps have, say gas forced air.If it isn't common in your area, the property may not meet FHA guidelines for an acceptable heating source, conventional financing will also look to common heat sources used in the area.

Who knows, you might be able to get a reasonable extension of time for repairs if you can somehow prove to the judge that the porch is going to be blocked off/restricted from use and/or the up to $40k estimate doesn't truly reflect the actual and limited hazard if that is in fact the case.Good luck!

Or tenants, like the one that just moved out, that were ok with it and their treatment of the property reflects that; house needs repairs in the tens of thousands of $$ to make it livable for the next person. 

There have been prepayment penalties done to reflect the tax liability arising from an early payoff which have held up in the past, prior to Dodd-Frank, but with this new base line for consumer financing I'd say not.Since 8% in this example is not close to the maximum or any usury matter and is reasonable I'll skip the application of interest to the risk assumed as a basis in setting rates.Adding interest to an underlying note in a wrap is not as simple as it sounded in that podcast.