A non-slip additive was then put into the seal coat to reduce slip hazard.

If there is any payment of any kind, regardless of what one might call it, if it reduces a purchase price at the end of a term it's a financing arrangement.

This will save you time onsite (ie $$), reduce coordination issues, additional costs, and change orders.  

Thats where BiggerPockets serves me well.NM has a 9 month redemption period, but it can be overridden by the mortgage and all mortgages reduce the redemption period to 1 month.

The real danger is that it becomes a spiral of less spending that reduces the economy which leads to more savings which further reduces spending, rinse and repeat.

That reduces risks and due diligence is timely.

This puts an exaggerated front end load on expenses, increased initially and reduced over time.

In a modification they take maybe 1/3 of the balance, put it on the side, use the remaining 2/3 at 2%, 30-40 year amortization, to come up with the greatly reduced payment.  

I don't really thing the merger will have any negative impact. the merger i believe was to become a capture greater market share and to share technology, and to reduce operation expense.

Not all agent " Keep in mind your agent really doesn't care if you   get a good deal or not, they just want you to close "I do not personally want to cash a reduce check after broker fees until I feel my client got the best possible deal.That one of the main reason I personally do not attend closing.I only attend closing, if I feel my client financing is questionable.You should consult with @George P. on a few good investor agents in your area.Regardless, welcome aboard