About 'debt and equity underwriting'|Carlton Raises $600 Million of Equity and Debt Amidst Capital Markets Mess

About 'debt and equity underwriting'|Carlton Raises $600 Million of Equity and Debt Amidst Capital Markets Mess

Ｉｎｖｅｓｔｏｒｓ               ｏｆｔｅｎ               ｆｉｎｄ               ｌｅｎｄｅｒｓ'               ｒｅｑｕｉｒｅｍｅｎｔｓ               ｆｏｒ               ｔｉｔｌｅ               ｓｅａｓｏｎｉｎｇ               ａｎ               ｏｂｓｔａｃｌｅ               ｔｏ               ｓｅｌｌｉｎｇ               ｔｈｅｉｒ               ｐｒｏｐｅｒｔｉｅｓ. Ｈｏｌｄｉｎｇ               ｃｏｓｔｓ               ａｎｄ               ｄｅｃｌｉｎｉｎｇ               ｍａｒｋｅｔ               ｖａｌｕｅ               ｃａｎ               ｅａｔ               ｉｎｔｏ               ｐｒｏｆｉｔｓ. Ｌｅａｖｉｎｇ               ａ               ｈｏｕｓｅ               ｖａｃａｎｔ               ｃａｎ               ｍａｋｅ               ｉｔ               ａ               ｔａｒｇｅｔ               ｆｏｒ               ｖａｎｄａｌｉｓｍ. Ｓｏ... Ｗｈａｔ               ｉｓ               ｔｉｔｌｅ               ｓｅａｓｏｎｉｎｇ? Ｔｈｉｓ               ｒｅｆｅｒｓ               ｔｏ               ｔｈｅ               ｌｅｎｇｔｈ               ｏｆ               ｔｉｍｅ               ａ               ｐｅｒｓｏｎ'ｓ               ｎａｍｅ               ｈａｓ               ｂｅｅｎ               ｏｎ               ｔｈｅ               ｔｉｔｌｅ               ｄｏｃｕｍｅｎｔ               ｒｅｃｏｒｄｅｄ               ｏｎ               ａ               ｐｉｅｃｅ               ｏｆ               ｒｅａｌ               ｅｓｔａｔｅ. Ｌｅｎｄｅｒｓ'               ｕｎｄｅｒｗｒｉｔｉｎｇ               ｇｕｉｄｅｌｉｎｅｓ               ｖａｒｙ               ａｓ               ｔｏ               ｈｏｗ               ｌｏｎｇ               ａ               ｐｅｒｓｏｎ'ｓ               ｎａｍｅ               ｍｕｓｔ               ｂｅ               ｏｎ               ｔｉｔｌｅ               ｆｏｒ               ａ               ｐｕｒｃｈａｓｅｒ               ｔｏ               ｂｕｙ               ａｎ               ｉｎｖｅｓｔｏｒ'ｓ               ｈｏｍｅ               ｏｒ               ｆｏｒ               ｔｈｅ               ｉｎｖｅｓｔｏｒ               ｔｏ               ｒｅｆｉｎａｎｃｅ               ｔｈｅ               ｐｒｏｐｅｒｔｙ               ａｎｄ               ｃｏｖｅｒ               ｈｉｓ               ｃｏｓｔｓ               ｔｏ               ｒｅｈａｂ               ｉｔ. Ｗｈｙ               ｄｉｄ               ｌｅｎｄｅｒｓ               ｉｎｓｔｉｔｕｔｅ               ｔｈｅ               ｔｉｔｌｅ               ｓｅａｓｏｎｉｎｇ               ｒｅｑｕｉｒｅｍｅｎｔ? Ｃａｎ               ｗｅ               ｓａｙ               ｍｏｒｔｇａｇｅ               ｆｒａｕｄ? Ｔｈｅ               ｓｃｅｎａｒｉｏ               ｇｏｅｓ               ｌｉｋｅ               ｔｈｉｓ:               Ｃｒｏｏｋ               #1               ｂｕｙｓ               ａ               ｈｏｕｓｅ               ｆｏｒ               $100,000               ｉｎ               Ｗｅｅｋ               1               ａｎｄ               ｓｅｌｌｓ               ｉｔ               ｔｏ               Ｃｒｏｏｋ               #2               ｆｏｒ               $150,000               ｉｎ               Ｗｅｅｋ               #3. Ｃｒｏｏｋ               #2               ｈａｓ               ｈｉｓ               ｓｉｓｔｅｒ,               ｂｒｏｔｈｅｒ-ｉｎ-ｌａｗ,               ｃｏｕｓｉｎ               Ｍａｒｖｉｎ               ａｐｐｒａｉｓｅ               ｔｈｅ               ｐｒｏｐｅｒｔｙ               ｆｏｒ               $200,000               ｉｎ               Ｗｅｅｋ               #5               ａｎｄ               ｉｎ               Ｗｅｅｋ               #6               ｓｅｌｌｓ               ｉｔ               ｔｏ               Ｃｌｕｅｌｅｓｓ               Ｂｕｙｅｒ               ｗｈｏ               ｉｓ               ｓｏ               ａｆｒａｉｄ               ｏｆ               ｂｅｉｎｇ               ｐｒｉｃｅｄ               ｏｕｔ               ｏｆ               ａ               ｒａｐｉｄｌｙ               ｅｓｃａｌａｔｉｎｇ               ｈｏｕｓｉｎｇ               ｍａｒｋｅｔ               ｔｈａｔ               ｓｈｅ               ｐａｙｓ               ｈｉｍ               ａ               $25,000               ｐｒｅｍｉｕｍ               ｏｖｅｒ               ｈｉｓ               ａｓｋｉｎｇ               ｐｒｉｃｅ               ｊｕｓｔ               ｔｏ               ｓｔａｙ               ｏｕｔ               ｏｆ               ａ               ｂｉｄｄｉｎｇ               ｗａｒ. Ｐｒｏｂｌｅｍ               ｉｓ,               Ｃｌｕｅｌｅｓｓ               Ｂｕｙｅｒ               ｉｓ               ｏｆｔｅｎ               ａ               ｆｉｇｍｅｎｔ               ｏｆ               ｓｏｍｅ               ｈｏｔ               ｓｈｏｔ               ｃｒｅａｔｉｖｅ               ｌｏａｎ               ｂｒｏｋｅｒ'ｓ               ｉｍａｇｉｎａｔｉｏｎ               ｔｒｙｉｎｇ               ｔｏ               ｓｃｏｒｅ               ａ               ｃｏｍｍｉｓｓｉｏｎ,               ｐｏｉｎｔｓ               ｏｎ               ｔｈｅ               ｌｏａｎ               ｏｒ               ｔｈｅ               ｙｉｅｌｄ               ｓｐｒｅａｄ               ｐｒｅｍｉｕｍ               ｆｒｏｍ               ｔｈｅ               ｌｅｎｄｅｒ.                Ａｆｔｅｒ               ａ               ｆｅｗ               ｈｕｎｄｒｅｄ               ｏｆ               ｔｈｅｓｅ               ｓｃｅｎａｒｉｏｓ,               ｌｅｎｄｅｒｓ               ｗｉｓｅｄ               ｕｐ               ａｎｄ               ｗａｎｔｅｄ               ｔｏ               ｂｅｌｉｅｖｅ               ｔｈｅｙ               ｃｏｕｌｄ               ｓｔｏｐ               ｐｒｏｐｅｒｔｙ               ｆｌｉｐｐｉｎｇ               (ｗｈｉｃｈ               ｉｓ               ｎｏｔ               ｉｌｌｅｇａｌ). Ｈｅｙ,               ｉｔ               ｗｏｒｋｅｄ               ｇｒｅａｔ               -               ｒｉｇｈｔ               ｕｐ               ｕｎｔｉｌ               ａｂｏｕｔ               2003. Ｔｈｉｓ               ｉｓ               ｔｈｅ               ｙｅａｒ               ｍａｎｙ               ｌｅｎｄｅｒｓ               ｓｔａｒｔｅｄ               ｔｏ               ｆｉｎｄ               ｗａｙｓ               ａｒｏｕｎｄ               ｔｈｅｉｒ               ｏｗｎ               ｕｎｄｅｒｗｒｉｔｅｒｓ'               ｊｕｄｇｍｅｎｔ               ａｎｄ               ｗｅｎｔ               ｔｏ               ｓｅｎｉｏｒ               ｍａｎａｇｅｍｅｎｔ               ｆｏｒ               ａ               "ｂｕｓｉｎｅｓｓ               ｄｅｃｉｓｉｏｎ"               ｔｏ               ｇｅｔ               ａｒｏｕｎｄ               ｌｏａｎ/ｔｉｔｌｅ               ｓｅａｓｏｎｉｎｇ               ｉｎ               ｏｒｄｅｒ               ｔｏ               ｍａｋｅ               ｔｈｅｉｒ               ｎｕｍｂｅｒｓ               ｆｏｒ               ｔｈａｔ               ｍｏｎｔｈ.                Ｋｎｅｅ-ｊｅｒｋ               ｒｅａｃｔｉｏｎｓ               ｂｙ               ｌｅｎｄｅｒｓ               ｌｏｏｋｉｎｇ               ｄｏｗｎ               ｔｈｅ               ｂａｒｒｅｌ               ｏｆ               Ｆｅｄ               ｒｅｇｕｌａｔｉｏｎｓ               ｈａｖｅ               ｒｅａｌｌｙ               ｈａｍｐｅｒｅｄ               ｔｈｅ               ｅｆｆｏｒｔｓ               ｏｆ               ｈｏｎｅｓｔ               ｉｎｖｅｓｔｏｒｓ               ｗｈｏ               ｃｏｕｌｄ               ｉｎｓｔｒｕｍｅｎｔａｌ               ｉｎ               ｔｕｒｎｉｎｇ               ｔｈｅ               ｍｏｒｔｇａｇｅ               ｍａｒｋｅｔｓ               ａｒｏｕｎｄ. Ｙｏｕ               ｗｏｕｌｄ               ｔｈｉｎｋ               ｗｉｔｈ               ｔｈｅ               ｓｔａｔｅ               ｏｆ               ｔｏｄａｙ'ｓ               ｒｅａｌ               ｅｓｔａｔｅ               ｍａｒｋｅｔ               ａｎｄ               ｈｉｇｈ               ｆｏｒｅｃｌｏｓｕｒｅ               ｒａｔｅｓ,               ｌｅｎｄｅｒｓ               ｗｏｕｌｄ               ｄｏ               ａｗａｙ               ｗｉｔｈ               ｔｈｅ               ｓｅａｓｏｎｉｎｇ               ｒｅｑｕｉｒｅｍｅｎｔ               ａｌｌ               ｔｏｇｅｔｈｅｒ               ｔｏ               ｇｅｔ               ｔｈｅ               ｌｏａｎｓ               ｏｆｆ               ｔｈｅｉｒ               ｂｏｏｋｓ.                Ｈｏｗｅｖｅｒ,               ｍａｎｙ               ｌｅｎｄｅｒｓ               ｗｉｌｌ               ｎｏｔ               ｗａｉｖｅ               ｔｉｔｌｅ               ｓｅａｓｏｎｉｎｇ               ｒｅｑｕｉｒｅｍｅｎｔｓ               ａｎｄ               ｈａｖｅ               ｅｖｅｎ               ｅｘｔｅｎｄｅｄ               ｔｈｅｍ               ｔｏ               12               ｍｏｎｔｈｓ               ｏｒ               ｌｏｎｇｅｒ               ｏｎ               ｐｒｏｐｅｒｔｉｅｓ,               ｅｓｐｅｃｉａｌｌｙ               ｆｏｒ               ｎｏｎ-ｏｗｎｅｒ               ｏｃｃｕｐｉｅｄ               ｈｏｍｅｓ.                Ｈｅｒｅ               ｓｏｍｅ               ｔｉｐｓ               ｆｏｒ               ｄｅａｌｉｎｇ               ｗｉｔｈ               ｔｈｏｓｅ               ｔｉｔｌｅ               ｓｅａｓｏｎｉｎｇ               ｒｅｑｕｉｒｅｍｅｎｔｓ:                1)               Ｇｏｏｄ               ｎｅｗｓ! Ｔｈｅ               ＦＨＡ               ｈａｓ               ｐｕｔ               ａ               ｔｅｍｐｏｒａｒｙ               ｏｎｅ-ｙｅａｒ               ｍｏｒａｔｏｒｉｕｍ               (ｕｎｔｉｌ               Ｊｕｌｙ               2009)               ｏｎ               ｔｉｔｌｅ               ｓｅａｓｏｎｉｎｇ               ｒｅｑｕｉｒｅｍｅｎｔｓ               ｉｎ               ｏｒｄｅｒ               ｔｏ               ｍｏｖｅ               ｔｈｅ               ｇｌｕｔ               ｏｆ               ｆｏｒｅｃｌｏｓｅｄ               ｈｏｍｅｓ               ｏｎ               ｔｈｅ               ｍａｒｋｅｔ. Ｅｖｅｎ               ｔｈｏｕｇｈ               ｔｈｉｓ               ｍｏｒａｔｏｒｉｕｍ               ｏｎｌｙ               ａｐｐｌｉｅｓ               ｔｏ               ｐｒｏｐｅｒｔｉｅｓ               ｐｕｒｃｈａｓｅｄ               ｂｅｃａｕｓｅ               ｏｆ               ｆｏｒｅｃｌｏｓｕｒｅ,               ｍａｎｙ               ｌｅｎｄｅｒｓ               ｗｉｌｌ               ｆｏｌｌｏｗ               ｓｕｉｔ               ｔｏ               ｃｌｅａｒ               ｔｈｅｉｒ               ｂｏｏｋｓ               ｏｆ               ｆｏｒｅｃｌｏｓｅｄ               ｐｒｏｐｅｒｔｉｅｓ.                2)               Ｕｓｅ               ａ               ｌａｎｄ               ｔｒｕｓｔ               ａｇｒｅｅｍｅｎｔ. Ｉｆ               ｔｈｅ               ｓｅｌｌｅｒ               ｓｔｉｌｌ               ｈａｓ               ｅｑｕｉｔｙ               ｉｎ               ｔｈｅ               ｐｒｏｐｅｒｔｙ               ｔｈａｔ               ｈｅ               ｃａｎ'ｔ               ｂｏｒｒｏｗ               ａｇａｉｎｓｔ               ｂｅｃａｕｓｅ               ｏｆ               ｄａｍａｇｅｄ               ｃｒｅｄｉｔ,               ｎｏｔ               ｅｎｏｕｇｈ               ｑｕａｌｉｆｙｉｎｇ               ｉｎｃｏｍｅ               ｕｎｄｅｒ               ｔｈｅ               ｎｅｗ               ｇｕｉｄｅｌｉｎｅｓ,               ｆｏｒｔｈｃｏｍｉｎｇ               ｊｕｄｇｍｅｎｔｓ,               ｏｒ               ｈｅ/ｓｈｅ               ｓｉｍｐｌｙ               ｗａｎｔｓ               ｔｏ               ｇｅｔ               ｏｕｔ               ｆｒｏｍ               ｕｎｄｅｒ               ａ               ｂｕｒｄｅｎｓｏｍｅ               ｐａｙｍｅｎｔ               ａｎｄ               ｍｏｖｅ               ｏｎ,               ｅｄｕｃａｔｅ               ｔｈｉｓ               ｓｅｌｌｅｒ               ａｂｏｕｔ               ｔｈｅ               ｌａｎｄ               ｔｒｕｓｔ               ａｎｄ               ｈｏｗ               ｉｔ               ｃａｎ               ｂｅｎｅｆｉｔ               ｂｏｔｈ               ｏｆ               ｙｏｕ. Ｏｎｃｅ               ｙｏｕ               ａｃｑｕｉｒｅ               ａ               ｂｅｎｅｆｉｃｉａｌ               ｉｎｔｅｒｅｓｔ               ｉｎ               ｔｈｅ               ｔｒｕｓｔ,               ｆｉｎｄ               ａ               ｂａｎｋ               ｔｈａｔ               ｗｉｌｌ               ｆｕｎｄ               ｔｈｅ               ｔｒｕｓｔ               ａｎｄ               ｃａｓｈ               ｔｈｅ               ｓｅｌｌｅｒ               ｏｕｔ. Ｔｈｉｓ               ｓｈｏｕｌｄ               ｌｅａｖｅ               ｔｈｅ               ｐｒｏｐｅｒｔｙ               ｍａｒｋｅｔａｂｌｅ               ｔｏ               ｙｏｕｒ               ｅｎｄ               ｂｕｙｅｒ,               ｗｈｏ               ｃａｎ               ｔｈｅｎ               ｇｅｔ               ｎｅｗ               ＦＨＡ               ｆｉｎａｎｃｉｎｇ.                3)               Ｐｕｒｃｈａｓｅ               ｔｈｅ               ｐｒｏｐｅｒｔｙ               ｗｉｔｈ               ａ               ｃｏｎｔｒａｃｔ               ｆｏｒ               ｄｅｅｄ. Ｔｈｉｓ               ｉｓ               ａ               ｆｏｒｍ               ｏｆ               ｓｅｌｌｅｒ               ｆｉｎａｎｃｉｎｇ               ｗｈｅｒｅｉｎ               ｙｏｕ               (ｏｒ               ｙｏｕｒ               ａｓｓｉｇｎｅｅ)               ｗｉｌｌ               ｍａｋｅ               ｉｎｓｔａｌｌｍｅｎｔ               ｐａｙｍｅｎｔｓ               ｔｏ               ｔｈｅ               ｓｅｌｌｅｒ               ｗｉｔｈ               ａ               ｐｒｏｍｉｓｅ               ｔｏ               ｐａｙ               ｔｈｅ               ｌｏａｎ               ｉｎ               ｆｕｌｌ               ａｔ               ａ               ｌａｔｅｒ               ｄａｔｅ. Ｔｈｉｓ               ｉｓ               ｕｓｕａｌｌｙ               ｄｏｎｅ               ｂｙ               ａ               ｓｅｌｌｅｒ               ｗｈｏ               ｏｗｎｓ               ｔｈｅ               ｐｒｏｐｅｒｔｙ               ｆｒｅｅ               ａｎｄ               ｃｌｅａｒ. Ｈｏｗｅｖｅｒ,               ｔｈｏｕｇｈ               ｎｏｔ               ａｓ               "ｉｎ               ｖｏｇｕｅ"               ａｓ               ｔｈｅ               ｌａｎｄ               ｔｒｕｓｔ               ｒｉｇｈｔ               ｎｏｗ,               ｔｈｅ               ｌａｎｄ               ｃｏｎｔｒａｃｔ               ｍａｋｅｓ               ｍｏｒｅ               ｅｃｏｎｏｍｉｃａｌ               ｓｅｎｓｅ               ｔｏ               ｔｈｅ               ｌｅｎｄｅｒ               (ｉｆ               ｔｈｅ               ｐｒｏｐｅｒｔｙ               ｉｓ               ｅｎｃｕｍｂｅｒｅｄ). Ｒｕｎ               ａ               ｈｙｐｏｔｈｅｔｉｃａｌ               ｓｃｅｎａｒｉｏ               ｂｙ               ｔｈｅ               ｌｅｎｄｅｒ               ａｎｄ               ｓｅｅ               ｉｆ               ｔｈｅｙ               ｗｏｕｌｄ               ｐｒｅｆｅｒ               ｔｈｉｓ               ｔｏ               ａ               ｓｈｏｒｔ               ｓａｌｅ.                4)               Ｂｕｙｉｎｇ               "ｓｕｂｊｅｃｔ-ｔｏ". Ｉｎ               ｔｏｄａｙ'ｓ               ｒｅａｌ               ｅｓｔａｔｅ               ｍａｒｋｅｔ,               ｍａｎｙ               ｈｏｍｅｏｗｎｅｒｓ               ｗｉｌｌ               ｓｔｉｌｌ               ｊｕｓｔ               ｈａｎｄ               ｙｏｕ               ｔｈｅ               ｄｅｅｄ               ｔｏ               ｔｈｅｉｒ               ｐｒｏｐｅｒｔｙ               ｂｅｃａｕｓｅ               ｔｈｅｙ               ｊｕｓｔ               ａｒｅｎ'ｔ               ｃａｐａｂｌｅ               ｏｆ               ｃａｒｒｙｉｎｇ               ｔｈｅ               ｐａｙｍｅｎｔｓ               ａｎｙｍｏｒｅ. Ｙｏｕ               ｗｉｌｌ               ｗａｎｔ               ｔｏ               ｅｓｔａｂｌｉｓｈ               ｉｆ               ｔｈｅｒｅ               ｉｓ               ｓｔｉｌｌ               ｅｑｕｉｔｙ               ｉｎ               ｔｈｅ               ｐｒｏｐｅｒｔｙ               (ｔｈｅ               ｂｏｒｒｏｗｅｒ               ｍａｙ               ｂｅ               ｄｅｅｐｌｙ               ｉｎ               ｄｅｂｔ,               ｎｏ               ｌｏｎｇｅｒ               ｈａｓ               ａ               ｊｏｂ,               ｏｒ               ａｎ               ｉｌｌｎｅｓｓ               ｆｏｒｃｅｓ               ｈｉｍ               ｔｏ               ｇｉｖｅ               ｕｐ               ｔｈｅ               ｐｒｏｐｅｒｔｙ.)               ａｎｄ               ｒｅｉｎｓｔａｔｅ               ｔｈｅ               ｌｏａｎ               ｂｙ               ｃａｔｃｈｉｎｇ               ｕｐ               ａｎｙ               ｂａｃｋ               ｐａｙｍｅｎｔｓ               ａｎｄ               ｆｅｅｓ. Ｔｏ               ａｖｏｉｄ               ｔｒｉｇｇｅｒｉｎｇ               ｔｈｅ               ｄｕｅ               ｏｎ               ｓａｌｅ               ｃｌａｕｓｅ,               ｔａｋｅ               ｏｕｔ               ａ               ｓｅｃｏｎｄ               ｉｎｓｕｒａｎｃｅ               ｐｏｌｉｃｙ               ｗｉｔｈ               ｙｏｕ               ａｓ               ｂｅｎｅｆｉｃｉａｒｙ,               ｌｅａｖｉｎｇ               ｔｈｅ               ｆｉｒｓｔ               ｉｎｓｕｒａｎｃｅ               ｐｏｌｉｃｙ               ｉｎ               ｔａｃｔ.                5)               Ｃａｓｈ               ｉｓ               ｋｉｎｇ! Ｅｖｅｎ               ａ               ｌｉｔｔｌｅ               ｂｉｔ               ｏｆ               ｉｔ               ｗｉｌｌ               ｂｕｙ               ｙｏｕ               ｓｏｍｅ               ｈａｒｄ               ｍｏｎｅｙ               ｔｏ               ｃｌｏｓｅ               ａ               ｄｅａｌ               ｔｈａｔ               ｃａｎ               ｔｈｅｎ               ｂｅ               ｓｏｌｄ               ｔｏ               ａ               ｑｕａｌｉｆｙｉｎｇ               ｂｕｙｅｒ               ｗｉｔｈ               ｎｅｗ               ｃｏｎｖｅｎｔｉｏｎａｌ               ｆｉｎａｎｃｉｎｇ. Ｊｕｓｔ               ｒｅｍｅｍｂｅｒ               ｔｈａｔ               ｍａｎｙ               ｈａｒｄ               ｌｅｎｄｅｒｓ               ｒｅｌｙｉｎｇ               ｏｎ               ｆｏｒｅｉｇｎ               ｉｎｖｅｓｔｍｅｎｔ               ａｒｅ               ａ               ｔｈｉｎｇ               ｏｆ               ｔｈｅ               ｐａｓｔ. Ｅｉｔｈｅｒ               ｈａｖｅ               ｐｌｅｎｔｙ               ｏｆ               ｅｑｕｉｔｙ               ｉｎ               ｔｈｅ               ｐｒｏｐｅｒｔｙ               "ａｓ-ｉｓ"               ｏｒ               ｂｅ               ｐｒｅｐａｒｅｄ               ｔｏ               ｐｕｔ               ｕｐ               ｓｏｍｅ               ｏｆ               ｙｏｕｒ               ｏｗｎ               ｍｏｎｅｙ. Ａｔ               ｌｅａｓｔ               ｔｈｅｙ               ｗｏｎ'ｔ               ｂｅ               ｐｉｃｋｙ               ａｂｏｕｔ               ｓｅａｓｏｎｉｎｇ.                6)               Ｙｏｕ               ｃａｎ               ｓｔｉｌｌ               ｂｕｙ               ｌｏｗ               ａｎｄ               ｓｅｌｌ               ｈｉｇｈ. Ｙｏｕ               ｊｕｓｔ               ｎｅｅｄ               ｔｏ               ｊｕｓｔｉｆｙ               ｙｏｕｒ               ｎｅｗ               ｈｉｇｈｅｒ               ｓｅｌｌｉｎｇ               ｐｒｉｃｅ               ｗｉｔｈ               ｉｎｖｏｉｃｅｓ,               ｒｅｃｅｉｐｔｓ               ａｎｄ               ｃｏｎｔｒａｃｔｓ               ｆｏｒ               ｗｏｒｋ               ｄｏｎｅ               ｏｒ               ｔｏ               ｂｅ               ｄｏｎｅ. Ｔｈｉｓ               ｉｓ               ｏｎｅ               ｗａｙ               ｔｏ               ｓａｔｉｓｆｙ               ｔｈｅ               ＦＨＡ'ｓ               ｒｕｌｅｓ               ａｇａｉｎｓｔ               (ｐｅｒｃｅｉｖｅｄ)               ｏｖｅｒ-ｉｎｆｌａｔｅｄ               ｆｌｉｐｓ,               ｗｈｉｃｈ               ｗｉｌｌ               ｃｏｎｖｉｎｃｅ               ｔｈｅｍ               ｔｏ               ｉｎｓｕｒｅ               ａ               ｌｏａｎ               ｔｏ               ｙｏｕｒ               ｅｎｄ               ｂｕｙｅｒ                7)               Ｂｕｙ               ａｎ               ＲＥＯ               ｄｉｒｅｃｔ               ｆｒｏｍ               ａ               ｌｅｎｄｅｒ               ｗｈｏ               ｉｓ               ｎｏｗ               ｉｎｔｏ               ｔｈｅ               ＦＨＡ               ｌｏａｎ               ｇａｍｅ. Ｔｈｅｙ               ｏｗｎ               ｔｈｅ               ｐｒｏｐｅｒｔｙ,               ｙｏｕ               ｂｕｙ               ｉｔ               ａｎｄ               ｒｅｈａｂ               ｉｔ,               ａｎｄ               ｔａｋｅ               ｔｈｅｍ               ｔｈｅ               ｂｏｒｒｏｗｅｒ               ｔｏ               ｇｅｔ               ｎｅｗ               ＦＨＡ               ｆｉｎａｎｃｉｎｇ. Ｔｈｉｓ               ｉｓ               ａ               ｗｉｎ-ｗｉｎ-ｗｉｎ               ｓｉｔｕａｔｉｏｎ.                8)               Ｂｕｙ               ｎｅｗ               ｃｏｎｓｔｒｕｃｔｉｏｎ               ｓｔａｎｄｉｎｇ               ｉｎｖｅｎｔｏｒｙ               ｆｒｏｍ               ｄｉｓｔｒｅｓｓｅｄ               ｂｕｉｌｄｅｒｓ. Ｔｈｅｙ,               ｏｒ               ｔｈｅｉｒ               ｌｅｎｄｅｒ,               ｈａｖｅ               ｔｏ               ｕｎｌｏａｄ               ｔｈｅｉｒ               ｐｒｏｐｅｒｔｉｅｓ. Ｉｆ               ｙｏｕ               ｍｕｓｔ               ｈｏｌｄ               ｉｔ               ｆｏｒ               ａ               ｙｅａｒ               ｏｒ               ｔｗｏ,               ｔｈｅｓｅ               ｐｒｏｐｅｒｔｉｅｓ               ｗｉｌｌ               ｒｅｎｔ               ｑｕｉｃｋｅｒ               ｔｈａｎ               ｌｅｓｓ               ｄｅｓｉｒａｂｌｅ               ｐｒｏｐｅｒｔｉｅｓ. Ｔｈａｔ               ｗｉｌｌ               ｄｅｆｉｎｉｔｅｌｙ               ｍｅｅｔ               ｍｏｓｔ               ｌｅｎｄｅｒｓ               ｓｅａｓｏｎｉｎｇ               ｒｅｑｕｉｒｅｍｅｎｔ!                9)               Ｒｅｖｅｒｓｅ               ｍａｎｙ               ｏｆ               ｔｈｅｓｅ               ｔｅｃｈｎｉｑｕｅｓ               ｔｏ               ｇｅｔ               ｎｅｗ               ｂｕｙｅｒｓ               ｉｎｔｏ               ｙｏｕｒ               ｎｅｗｌｙ               ａｃｑｕｉｒｅｄ               ｈｏｕｓｅｓ. Ｉｆ               ｔｈｅｙ               ｗｏｒｋ               ｆｏｒ               ｙｏｕ,               ｍａｋｅ               ｔｈｅｍ               ｗｏｒｋ               ｆｏｒ               ｙｏｕｒ               ｂｕｙｅｒｓ               -               ａｔ               ａ               ｐｒｏｆｉｔ,               ｏｆ               ｃｏｕｒｓｅ.                10)               Ｂｕｙ               ｂｉｇｇｅｒ               ｐｒｏｐｅｒｔｉｅｓ!. Ｃｏｍｍｅｒｃｉａｌ               ｌｅｎｄｉｎｇ               ｉｓ               ｆｉｌｌｉｎｇ               ｔｈｅ               ｇａｐ               ｗｈｅｒｅ               ｒｅｓｉｄｅｎｔｉａｌ               ｐｒｏｐｅｒｔｉｅｓ               ａｒｅ               ｆａｌｌｉｎｇ               ｏｕｔ               ｏｆ               ｆａｖｏｒ. Ｗｉｔｈ               ｍａｎｙ               ｃｏｍｍｅｒｃｉａｌ               ｌｅｎｄｅｒｓ,               5               ｏｒ               ｍｏｒｅ               ｕｎｉｔｓ               ｃａｎ               ｆｌｙ               ｕｎｄｅｒ               ｔｈｅｉｒ               ｃｏｍｍｅｒｃｉａｌ               ｕｎｄｅｒｗｒｉｔｉｎｇ               ｇｕｉｄｅｌｉｎｅｓ. Ｆｉｎｄ               ｏｕｔ               ｗｈａｔ               ｑｕａｌｉｆｉｃａｔｉｏｎｓ               ｔｈｅｙ               ａｒｅ               ｌｏｏｋｉｎｇ               ｆｏｒ               ａｎｄ               ｂｅ               ｐｒｅｐａｒｅｄ               ｔｏ               ｐｒｅｐａｒｅ               ｔｈｅ               ｆｉｇｕｒｅｓ               ｆｏｒ               ｔｈｅｍ               ｔｏ               ｍａｋｅ               ｙｏｕｒ               ｃａｓｅ. Ｓｅａｓｏｎｉｎｇ               ｉｓ               ｏｆｔｅｎ               ｎｏｔ               ａｎ               ｉｓｓｕｅ               ｗｉｔｈ               ｔｈｅｍ;               ｔｈｅｙ               ａｒｅ               ｌｏｏｋｉｎｇ               ａｔ               ｔｈｅ               ｒｅｔｕｒｎ               ｏｎ               ｔｈｅｉｒ               ｉｎｖｅｓｔｍｅｎｔ               ｉｎ               ｙｏｕｒ               ｐｒｏｊｅｃｔ.

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