Being kind and generous will only cost you money not to mention heart ache.

The 20k for rehab does not have to go through ugh title/escrow company.If after rehab Appraiser shows 125 as ARV.Bank would be willing to refinance at 75% of 125 which is $93.75kAt the refinance closing the Bank will need to issue a check/wire/ach to pay original loan.

I think I will replace the counter sink with a vanity with sink, get rid of the medicine cabinet/mirror, with a more modern mirror, get rid of the shower pan, and replace it with something else (suggestions?)

The March report on the Array deal said that distributions were processed on April 28 and it takes 3-5 business days for us to receive the ACH in our bank accounts.

Include copies of the cashed checks/ACH payments for the payments they say you did not make. 3.

But Hey I lived through it barely and now its a distant memory and I dont want to get a stomach ache thinking about it today  LOL>> carry on.

It's free for the tenant to make ACH payments and $2 per transaction for me. 

Some head aches are worse than others and you have to pick and choose those carefully.

They will also collect rent and ACH it into your account. 

You can do tenant screening, all numbers, ACH payments and host of other features.