I would love for everyone to suggest some good books to help me gain knowledge from a beginner standpoint.

So that should help with response %, but does anyone have an idea how much that will help? 

This is a mistake a lot of new investors fall into. 

If I'm correct, this situation is why you should have. 

IM located in PHX,az and would like to know the name of this deal scenario where buyer agrees to pay off completly sellers loan balance, for example , lets say seller owes $50k on a $350k home buyer agrees to pay seller that $50k and is the new owner of said home.

Any advice on how to make this process as stress-free as possible, would be greatly appreciated!

@Marcus GriffinTypically as part of a modification the bank will have a “shock package” which includes information and forms to be completed by the borrowerOn those forms there are questions like will they or do they occupy the property, there income, do they plan on keeping th home.This is equivalent to lying on a bank application which is most likely considered fraud Not providing legal advice but this is definitely a very slippery slope you are getting involved in.

They will say you didn't read the fine print even you tell them that you have no loan contract in your possession.

I used a local independent agent and when this was his best answer - I tried to shop for other options and came up empty so far. 

The industry found better ways to make pop cans aluminum versus metal, recycling became more common and 35 years later, you don't hear about this anymore.Marcus, You are right, we have made a lot of changes to help with climate change.