There was a beautiful analogy said to me sitting in subway one day,†I have two subs sitting in front of me, one sub someone with the flu virus just sneezed on, but that sub was treated and they guaranteed me that there were no germs on it.

Only intent is to control our lives and guarantee re-election through re-distribution of our wealth, so long as there is wealth left to re-distribute.

I would almost guarantee this owner has no clue as to what this property is REALLY worth.

You're guaranteed the rent for a year and get free PM.

Things are changing so fast there is little advice someone can give you that is guaranteed to be relevant in 3 years when you start running out of options.

I did go through my loan documents and found the Occupancy Affidavit and it says " To make a mortgage loan and as an inducement to the federal housing administration to insure said loan, or the department of veterans affairs to guarantee said loan, or a private mortgage insurance company to insure said loan, as the case may be": and then there is a box checked that says "I/We presently occupy, or intend to occupy, the subject property as my/our principal residence".

I would be very careful about guaranteeing anyone a specific ROI.

And, if you have a second mortgage, you can pretty much guarantee zero success.Getting a short-refi is not impossible, but it is less likely the a loan modification.

You're likely to have to personally guarantee it, and personally qualify for the loan.

The credit repair that I direct clients to can even remove foreclosures, and it's guaranteed or your money back.