My agent is saying that we are unable to split the contract that way (or reduce the purchase price), so I'm trying to figure out options.

Beyond that, real estate is largely local; in my market we are not seeing anywhere near those numbers.

I am looking to meet lots of new friends in the Charlotte area who are interested in real estate... so, if you know of any good meet ups or groups or events, please send them my way! 

DOS or more commonly known as Event of default.Alienation of title is an event of default in most all debt instruments not usually located in the Note its in the mortgage  deed of trust etc.And along with other Events of Default  IE non payment of Insurance or tax's or waste these all give the lender the right to Accelerate the note but not the obligation..

We are currently living just south of Boston and are looking to purchase a 2-4 unit property in which we would live in one of the units.

Also the home is a subject to, where we are paying the remaining 3% mortgage, so a full refi would not be a great answer either. 

We are well connected and I'm sure I could find you a buyer quickly.

We have an insurance policy on the rental house (through State Farm), that includes a personal liability section, which is essentially equal to our current net worth.Given that a tenant could sue for more than this if an accident occurred, we are thinking about adding either LLC or an umbrella policy (or both) as extra protection.Any advice on which way to go, and if LLC, any recommendations for a law firm or company the Indianapolis area?

Hello, we are middle of purchasing our 2nd property.

If anything, we are seeing unprofessional operators get weeded out by the laws and competition.