$19.95 + $5.00 S/H (Included with the book Owner Will Carry)

1. Agreement for Performance Deed of Trust
   Chapter 14 pages 159-161. As a guarantor with loan liability but no ownership interest, here's how to protect yourself if the note borrower defaults.
2. Collateral Note and Pledge Agreement
   When personal property is used as collateral to secure a note.
3. Credit Report Authorization
   For you to assume a seller carryback note, you authorize a credit report.
4. Credit Report Authorization (on note payor)
   When buying a note, borrowers authorize you to check their credit.
5. Memorandum (to record) a Note Modification (secured by Deed of Trust)
   Chapter 6 page 96. Show that note was modified on the County records.
6. Modification of Promissory Note
   Chapter 6 page 95. Example of form filled in.
7. Non Acceleration Letter to Lender
   Chapter 12 pages 142-144. To senior lien holder when buying a note.
8. Promissory Note in "Plain English" & Deed of Trust in "Plain English"
   We're still working on a few words, but mostly no lawyer language.
9. Promissory Note (unsecured/installment with bankruptcy language)
   What happens if the payor declares bankruptcy on an unsecured note?
10. Promissory Note (interest only) Secured by Pledge of Collateral
    Collect on a note secured by personal property (collateral)
11. Notice of Balloon Payment Due (required by law in CA)
    Chapter 5 page 68. This is a good idea to use in any state.
12. Straight Note
    Chapter 4 page 56.

1. The importance of Loan to Value (LTV).
2. Who Benefits from Stepped Payments?
3. The Case for Stepped Payments.
4. Donating a Note to Charity: Opinion Letter from a tax attorney.

Chapter 2: Negotiations

• Page 32 - The time value of money. "More sooner is better."

Chapter 5: Balloon Payments

• Pages 70-72 - Stepped payments explained with an example
• Page 74 - As an alternative to bi-weekly payments
• Page 76 - To increase equity

Chapter 6: To Keep, Sell or Exchange? That Is The Question

• Page 93 - Restructuring a note to increase yield

Chapter 8: What's Wrong With an 80-10-10 Sale?

• Page 110 - Why balloon payments may be dangerous

Chapter 9: How To Reduce the Seller's Risk When Carrying Back a Note

• Pages 118 & 119 - The high cost of refinancing

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