As such, I would not say it "kills" as much as it simply has affinity on value.  

Its often very beneficial to have a coach or someone to guide you along the way, but not many people are doing it for free and often times the hefty price tag, is completely avoidable by simply networking.  

If you just simply use multifamily without a noun following, you don't technically need one.

Is it simply fear or is there more to it than that?.. 

The idea of forfeiture would not apply, so the Vendor (Owner/OP) could not simply evict.  

At first glance, the $495 seems cheap, and probably makes you wonder the reason for the low price; however, it could be explained for a variety of reasons: (1) it is that contractor's bread-and-butter; (2) the other two high priced contractors are swamped with work and simply won't do a job for less than x amount; (3) the low-cost contractor is in need of work and will work for a smaller profit margin. 

As @Matt Devincenzo clearly pointed out, you do not lend your self money since, you would already have your own money.A "Note" ('Promissory Note') is simply evidence of a debt with terms of repayment.  

In other words do not simply take the same "deal" the other buyer negotiated for the home.

He didn't seem to think there was much of an advantage over simply having good insurance protection.That said, I do have an LLC and an S Corp.  

Recording of the substitute trustee - this too is a part of the foreclosure process in many cases and is a fee passed on to the borrower.So, there is really only one fee there which is questionable and that could just be slang term being used and is most likely legit.The problem you may encounter here is that one demand was for a reinstatement and the other is simply the responsibility of the Borrower per the documents.