What does Agent Mary fill out on her disclosure form?

Has anyone in Houston used a lead paint disclosure?

You probably want to add some sort of disclosure having the seller stating that they understand that the loan will remain in their name.  

This includes the lease and disclosures.5.

Additionally there are many disclosures that go along with a Subto transaction to protect both parties. 

@Curt Smith, @Brad Johnson's list is a good one and be certain the contract is assignable and the seller agrees to complete a disclosure provided by you, the buyer.

"Disclosure of brokerage relationshipsA.

First of all, the investment he's talking about when he uses the 12% number is the Investment Company of America fund-- it's returned 11.96% since it's inception in 1934 and is one of the ten largest mutual funds by assets under management. https://www.americanfunds.com/...https://www.forbes.com/sites/r...Second, your calculations on S&P returns leave out dividends and dividend reinvestment-- that's one of the major reasons that S&P returns are not a good proxy for mutual fund investments (full disclosure-- I'm a former stockbroker).

If anything, I'd first give them a disclosure to the contrary upon learning from them they had such issues.

Seller signed that the septic was up to code on the disclosure.