I only found an online one but some one else may give more inputshttps://www.meetup.com/real-estate-wealth-institute-indianap...

Or maybe the ESA letter is from a bogus online source that isn’t acceptable.

It should be on line, look it up.

Hello everyone,Relatively new RE investor here. I am looking to buy another property and I have the opportunity to work with a cash provider that is willing to put down a significant percentage of the money so we can ...

The photos online won't be of much use to you as the photos where the money spend is at are in the basements, attics, and the exterior of the house, and every corner of those if that helps.

Refinanced into long term debt.

i think it's because of the tremendous rise in home equity in the past 5 years.i used a HELOC to (1) help with a down payment on a short term loan, that I then paid back in full when I refinanced; and (2) to consolidate some higher interest debt, which I am now paying back by making extra payments against the principal since HELOCs are generally interest only for the first 5-10 years. 

Does anyone have a recommendation for online calculators to map out the breakdown of monthly interest payouts easy?

Conventional Rates are slightly higher than FHA, however the payment difference may be significant compared to refinancing into another FHA loan. 

This leads to issues with refinancing and could leave you with less equity or higher debt than anticipated.