I remember you advising that you had a good relationship with a bank and get 85% loan-to-value at 15- years.

I remember water, sewer, and trash costing $35 per month for one 4 bedroom 3 bath home O owned in Boca Raton, Fl.

One that I remember is Arcana  

I'm not an appraiser but this is what I remember from my research.

At that time they were willing to do 25 year terms if I remember right it was with the same 5 year interest rate resets.  

@Leland Smith if you do go down the legal road, just remember the law is really about who is right or wrong. 

Hello...I'm a beginner Real Estate Investor...I don't have all the answers but I did just the other day watch a video with Brandon that is finishing up this type of deal...actually he was recording the video at Starbucks...if i remember it correctly it was title...Investing in Multiple Family Homes...hope that can help u once you find the video...it is with Bigger Pockets...

And remember that is based on the banks appraisal.  

I have made a point to ask my tenants to put the requests in writing (so I can remember).

I hope they remember it that way.