@Nikolay Afanas, There are always two different train of thoughts when it comes to paying off your home or using the extra money for investments. 

I need access to the extra 8K without moving mountains. 

Doing that, instead of putting down $30,000 - $40,000 on a more traditional $125,000 +/- home or duplex, would, I think allow me to acquire two properties a lot faster.... plus, again, the added bonus of the cash flow on the first property. 

To cover myself, I added the following provision to my lease..."... when needed to water the grass, Tenant agrees to allow use of their paid water to maintain lawn health and appearance as needed."

I think that added copy of notice would be good.

Sure they roll it into the loan so you never see it but yes you are paying extra.

I feel like we can all benefit from this and grow it into something way bigger as long as we all remember it’s intended to help out AD.

Is in the IB Program and we’ve been told he can’t dial enroll, however he’s a 4.0 and is crushing it with extra clubs every day after school.  

If they add an extra rule on top of the Fannie/Freddie guidelines we call it an "overlay". 

Even some real estate professionals get confused over the difference between an addendum and an amendment.An addendum is something that is added to the purchase agreement (the contract) before it becomes officially valid (known as “ratification”).If you were performing a short sale, for instance, we would provide the buyer with a short sale addendum before we accept their offer.