Have you ever seen those MLS listings?"

I can get 4% for 20 years - but I am unclear of a 'Prepayment Penalty": his 'contract'  :{5} Note:The borrower will be responsible make an origination fee PLEASE NOTE:this is the only fee expected to pay for this transaction to have your loan transferred to you as soon as possible by the bank transferring bank to your bank account, or which ever way you want your loan to be transfer to you If you fully agree on this terms and condition.Do you agree with the above terms and conditions?

Not ever lender offers it though. 

SFHs purchased as personal homes rarely if ever cash flow as rentals..

I would use postcards because letters from unknown addresses hardly ever get opened. 

Awesome, good luck. if you're ever thinking about South Florida i'm here. 

We have done the worst thing ever and fallen in love with a Freddie Mac property, but after researching Freddie it is starting to seem like there is no waythey will accept our offer.

If you're ever looking for funding once you have something under contract please keep me in mind!

You cant justify paying financing fees or service charges the perks are rarely if ever worth that 

If you sell the house you will have a very hard time ever owning in California again.