I need some advice on a counter proposal and also some terms I should include to allow for the appropriate fix-up, protect me from improving the house and then being accused of 'violating the lease' and retaking an improved property and keeping my deposit.

Could affect the buildings annual holding costs and resale ability.Another big one that developers deal with ( I used to work for one on commercial projects) is not only environmental issues but endangered species issues.Here in GA a stream was found to have "snail darters" a protected species.

Now, I'd think the purpose to the restriction is to protect the bank, perhaps more to the banking system and the tax payers that end up picking up the tab in (being another subject) that there is no collusion between other parties out there of having the bank sell a property at a much lower price than what is reasonably seen as the fair market value for the property.

I trust you are familiar with this Dodd-Frank Wall Street Reform and Consumer Protection ActJanuary 2014 1500 pages of new regulations around RE Financing.

To protect yourself you should be putting your deposit with an earnest company.

Seems like there should be some borrower protection to prevent it or why wouldn't the banks make it more common practice??

Personally, I would prefer a protected parking area, even if it's a well-designed carport.

I prefer a slower pace like sitting in the rocking chair and eating popcorn while listening to the BP podcasts or I will surf BP for hours month after month, getting analysis paralysis.

when buying real estate with subject to / wrap around mortgages how is the investor or home owner protected from each other after the deed is transfered.

@Karen Margrave , on non consumer real estate purchases, i.e. real estate purchases for investment, the SAFE act as well as the Consumer Finance Protection Bureau rules and regulations are not applicable.The usury laws are enacted by each state.