To be more helpful, here is a simple breakdown of my financial state: -Attending college for PTA degree, no school loans or debt-Working two part-time jobs, wife works as family nanny-A sizable amount in savings (I'd rather not state the exact amount in a public forum)My current thought is to do capitol investments with maybe a local fix-and-flip investor.

Is it as simple as (5.25 - mortgage interest deduction) or is more complicated and involving an IRR calculation over the amortization period or even over the hold period?   

Great; they only charge you $99mo. flat BUT they charge extra for everything else.The % based model was born out of keeping it simple.

We found that we get a lot more deals under contract after about the 5th mailing.I also like to keep the message very simple, but relevant to my list, on the first mailing.

BUT if there was a quick and simple way to bring that down to 3-4% interest, that would be worth it. 

Regarding assignability, there used to be a simple check-box to indicate that contract was going to be assigned.

Altough it sounds like a simple question I am interested in specific instructions.

It's really a simple problem; either conventional financing works for you or it doesn't and you need to get the alternative.  

Here's his description of the job:"Trying to design a simple cement circular driveway for my house.

Gut tells me it doesn't matter just put them all together to make things simple.