Abstract: A method of reducing the risk to a Vendor of a First House that the Vendor of the First House will have to pay the Monthly Carrying Costs associated with the First House in the event that the First House is not sold within an acceptable predefined or determinable period of time. The method includes, steps of calculating the Monthly Carrying Costs associated with the First House, establishing a Minimum Acceptable Price for the sale of the First House, and calculating the likelihood that the First House will not be sold at or above the Minimum Acceptable Price during the acceptable predefined or determinable period of time. The method further includes calculating the likely length of time required to sell the First House at or above the Minimum Acceptable Price, and other steps.