I have come across many note sellers that ignore the advice of being prepared. Properly structuring a note for resale can be the difference between selling the note fast and with little friction as opposed to selling yourself short or worse,not selling the note at all. In order to properly structure a mortgage note for resale is as follows:

1) Get the biggest down payment possible. 25% is the Note Buyer’s ideal amount in a perfect world although,you can definitely get away with 15% – 20% if need be. Anything under 15% equity becomes very risky for a Note Investor. In the case of a down payment under 14% equity,you will have a very tough time getting a high bid on that note. Anything under 10% down,will unlikely sell at all.  -!

2) Make sure you (the seller),pull credit on the potential borrower. 600 FICO score – 700 FICO score would be ideal. Remember; the worse the credit score is,the bigger the down payment you should require! Make sure you keep a copy of the credit report so you may present to the mortgage note investor underwriting the transaction. As far as credit scores,650 or higher is considered great to excellent credit. 610-649 is good,609-590 is fair 589-500 is poor and below 500 – don’t even bother. Also try to gather D.T.I. or Debt to Income information from the borrower as well. How much money she/he has coming in per month verses what dollar amount is going out per month. A standard credit report will show you what the borrowers monthly bills are. All you need to do after that is get an accurate dollar amount of what the borrower truly makes after taxes. This way there will be no surprises for you or the Note Investor and this will insure you the highest bids out there! 45% is the max D.T.I. ratio you should allow. This means,if the borrower’s income is $5,000.00 per month,45% DTI ratio would be $2,250.00 (5,000 x 0.45 = 2,250.00) in debt per month. The borrower only owes 45% of what they make to monthly debt.  -!

3) It helps tremendously if the seller orders and completes an appraisal before submitting the note to a Note Buyer. The reason being,presenting an exact legal appraisal to a Note Investor allows for a more accurate bid,thus a hassle free transaction. This way when the note is underwritten,there will be no surprises on the collateral property whatsoever. This step is not necessary although,by doing this your are drastically increasing your chances of a very smooth note sale.

4) Include a high interest rate with the shortest term possible. Meaning,be sure that your borrower can afford the payments at the shortest term she/he can legitimately agree to.

5) Try to keep the loan under a 10-15 year payback date. Anything over 12 years usually takes a much steeper discount then say a 10 balloon. The Note Investor generally likes to be out of an investment in 5-10 years. Ideally,if your borrower situation permits,5-10 is the first choice. 

6) Include a prepayment penalty based on your states regulations and laws.  -!

Please keep in mind; the above information is just a guide. If you have any legal questions about mortgage origination laws in your state,please consult a licensed mortgage broker/banker (in your state) or an attorney. Always be prepared!

Knowing this info before hand is the difference between a smooth transaction and a complete nightmare! Good Luck!

It can be frustrating when your RO system is on the fritz, like when the reverse osmosis tank isn’t filling up. Not only does that prevent your water from being filtered, it can potentially damage the system, becoming a costly problem. Even if the tank is working fine right now, it’s important to understand how to correct issues before they happen. 

If your RO tank isn’t filling, let’s take a look at potential reasons why and how to correct them. 

7 Reasons Why Your Reverse Osmosis Tank Isn’t Filling Up & How to Fix Them

Low House Water Pressure

One of the most common reasons for a tank not filling is the house’s water pressure itself. Ideally, for an RO system to work, the water pressure must be 60 psi, but a range of 40 to 80 is acceptable too. When the pressure is too low, the water can’t push through the RO membranes, preventing the tank from filling. If the pressure is low at all the faucets in the house, it is likely a temporary issue with the local water company, in which case you should give them a call.

Low RO Tank Pressure

If all the faucets in the house are working normally then the pressure in the tank may be the issue. The tank should have a pressure of 7 to 8 psi without any water in it; to confirm or see what the pressure is, locate the valve (typically covered by a blue plastic cap) on the side of the tank near the bottom. After removing all the water from the tank, use a pressure gauge to see what it is. If low, add air with a pump until reaching 7 or 8 psi, and be sure to only add a small amount of air at a time or risk rupturing the air bladder.

Broken Tank Bladder

If you only get one cup of water from the RO faucet (at normal water pressure) and then it quickly turns to a trickle or small stream, it’s usually a sign the air bladder in the storage tank has ruptured. Unfortunately, the only solution to this is to replace the storage tank itself.

Clogged RO Membrane

Like other water filtering systems, the components that do the filtering need regular changes. This is a common reason for the tank not filling up, the membranes being clogged, preventing water from passing through them and stopping the tank from filling. These membranes are fragile and can easily become clogged if not switched out regularly, generally every 24 months depending on usage and water quality. To solve this, have a technician come to replace the membranes with new ones.

Clogged Reverse Osmosis System Filters

A reverse osmosis system filters water in two ways, through membranes and cartridges (filters). If the membranes are new or recently replaced, a clogged filter may be the reason the tank isn’t filling. The carbon blocks (filters) should be changed every six months to once a year depending on water quality and usage. If the water tastes like chlorine or different than usual, this may be the reason for the tank not filling and only requiring a new cartridge.

Improper Water Feed Connection

Another reason for the tank not filling is with the water feed connection itself, which can happen in two ways: there is a kink in the water line or it was improperly installed. Look at pictures of the installation that show the proper feed connection to ensure it is hooked up correctly and double-check that the water supply line valve is in the fully open position.

Improper Water Drain Connection

The drain saddle, where the wastewater carries contaminants away, can sometimes cause the reverse osmosis tank to not fill. To see if this is the cause, first check if it is installed correctly by checking the installation pictures. Another related error may be the ASO valve not shutting off, which can be tested by turning the tank valve off to see if the ASO stops flowing to the drain, which can take a few minutes to see.

If the ASO is found to be the culprit, there are a few reasons for this:

• The flow restrictor is missing or failed, signaled by a large amount of water flowing to the drain and a lot of noise.
• The tank isn’t filling.
• The ASO valve is stuck in a closed position. If this is the case, then completely disconnect the valve to make sure all pressure is off the assembly and replace it.
• The check valve may be bleeding pressure, which can be tested with a full tank of water while the tank valve is open. First, turn off the water supply and if it is still flowing to the drain, then the check valve is leaking pressure and needs to be replaced. It’s an uncommon error, but is Worth checking. 

Ensuring Your Reverse Osmosis Unit Functions Correctly

As with any machine, errors can occur, and it’s important to know what to look for and to regularly check the RO system. Some of these issues do require Professional assistance, especially if troubleshooting hasn’t helped or solved the issue outright. 

We at H20 Solutions are dedicated to empowering individuals who want water their way, delivering safeguards to improve the home’s water supply and properly maintaining the filtering system with the right tools. If you have RO system problems, we invite you to connect with our experts and explore our selection of tools to help get your water back to the quality you deserve. Click below for more information.
    

H2O Solutions | Reverse Osmosis

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