If you need a standard form Purchase agreement I could email you a template that you could add your options to.

If you want a quick in and out, no questions, no documents, no phone calls, no service you can pay $400 but if you are looking for someone to be involved and actually know some tax law and accounting then you are going to pay for the experience.

If you have no license then you breaking the law (lawyers are partially or fully exempt from the RE license regulations in most states).If you are a principal in the deal then being paid to sell your position or your rights in the deal is legal.The HUD-1 document is not required in all transactions.

Just my opinion....The lack of information on many of the posts and profiles of any forum can discourage others from engaging in any type of serious conversation.RE_Jokester_01 want's to know about a $100MM loan but doesn't provide his/her real name, an email, and at least a vague geographical location; how serious could they be?

Buyers with good credit and good documentation still don't have many problems getting a mortgage.

Documents get lost, title work was done incorrectly in the past, etc.

I would suggest having a lawyer look over to make sure it is protecting your best interest.Lets dig a bit deeper.A non-disclosure document to do what?

They basically have your information "plugged" in to their mls/contact manager and it sends you the emails with the agents info on it.

Send me a pm or shoot me an email with some of your ideas I would be happy to see if I can help.Sincerely,Mike Kazee

There is alot unknown that needs to be clarified before answering "why can't they just do it as a investment property @ 90 LTV"---things like how you are going to document income/assets, FICO, cash reserves, # of properties owned/mortgaged to name a few...I suspect that it is not your intent to occupy the 2nd unit as Wells Fargo suspects and this is where the FRAUD comes into play---if you intend to rent out both units and claim otherwise, the doc they want you to sign could serve as the noose at your own hanging.