If he/she had framed expectations properly going in, uncovered and disclosed the lien like they should have, and understood all the options available such as the prepaid lease buyout option for $15k (which the writer admits she would have readily agreed to), it would have been a non issue.

Are these are pre-paid interests?

I'd appreciate some thoughts, big picture to minutia, on how to wrap my head around this.2)When we closed on a HELOC, we had these "prepaids & fees":Flood CertificationTitle InsuranceRecording FeesOrigination FeeProperty Tax TrackingReal Estate Valuation (is this another way of saying appraisal?!)

On my contract I am putting that seller upon close owes buyer all deposits for units are due, all prepaid rent is due, all property not owned by tenants are transferred to buyer.

Have the tenants prepaid utilities as part of the deposit process. 

They also allow a seller’s credit or concession of up to 3% of the sales price to be used towards closing costs and prepaids.

The one quote I received is for 8% for 6 month lend up to 80% as is or 75% ARV with rehab 3.5 points no prepaid penalty.

Some of the prepaid debit cards are capable of ACH debit transactions (netspend).

For instance, I partnered in a small syndication by fronting most of the earnest money and prepaid closing costs. 

It might have been in episode 301 where the guest talked about putting fix up costs on the HUD as a "prepaid fee".