Buyer and Seller agree to use a third party impound account to pay and receive funds. d)Seller grants Buyer full rights to repair, improve, use, occupy, rent out, etc. the property in any manner Buyer deems necessary or useful.e)Seller does not and shall not have any obligation to fund or make any repairs, replacements, corrections, improvements, additions, etc. to the property before or after closing. f)Buyer takes full financial responsibility for any and all repairs, replacements, corrections, improvements, additions, etc. needed on property. g)If Buyer should default, all repairs, improvements and monies paid will revert fully back to Seller.h)The Sale Contract shall include the following terms: 1) Closing will take place within thirty (30) days after Buyer exercises this Option. 2) Seller’s sale of the Property is and shall be “As-Is”, “Where-Is” and “With All Faults”, and Seller does not make any representation or warranty regarding the physical condition of the property. 3) The Sale Contract shall contain Seller’s standard “As-Is” sale language. 4) Seller shall provide to the Buyer a Seller’s Disclosure Report 5) Buyer and Seller shall each split equally all closing costs and fees. i)This contract represents a full and complete integration of all terms and conditions and precedents, and represents the entirely of the agreement between the parties. j)I, ___________ (Seller), understand all the terms of this Option and agree to abide by each one of them.

Originally posted by @Bill F.

A lot f them borrow short term and then originate 30 year notes.  

However, if you look at it from a risk-reward perspective, you have a very solid future seemingly locked up, and real estate can be your pathway to "F U money". 

Quote from @Colleen F.: @Marc S. 

@Brit F. 

Thank you @Ian Ippolito and @Larry F. for you responses!  

@Gon EisenbergThis is the spreadsheet I was trying to link into the post.https://www.biggerpockets.com/files/user/samtato/f...

I apologize in advance because it will appear that I am poo poo-ing your idea...

I certainly appreciate that either people don't want to put in the effort, they are rushed or they have invested in F neighborhoods, for them they should not use Cozy.