From what I have been reading about HML it sounds like after a few transactions, lenders may be willing to offer a lower interest rate after I've had the opportunity to build a relationship/track record with them.

Several months later now and we ended up selling for $1,625,000, which is still a record for the area.  

My only mistake was only being able to pull so many records and I did a few test runs figuring things out and hit my limit the first month before I had my mailer done.

Our records reflect that the claim you filed is the first such notice of a problem with a tree at ##########, and therefore the city could not have taken measures to prevent your loss"....."

Conversely, recording an amount on the lease, less than the amount collected, is blatantly dishonest, and, in most jurisdictions, certainly illegal.  

I closed on a Fannie Mae property in May 2014 and today I received the title policy and recorded deed, both are photocopies.I thought I was supposed to get originals?

It might be safer to transfer to a trust and assign beneficial interest or to use a land contract that is not recorded. 

This would mean its a zombie house (title still in mortgagor' name or record owner).

Run it so that what you paid for it won't show up in records.

Track Record are experience are HUGE!