If your title work is less than 6 months old, you should get a discount on a new title policy, you might include that in your marketing, might cost you $100, save the buyer $300, set the stage for other seller concessions, but not prepaid items of buyer's taxes, insurance and some lender fees. 

And "credit card" often ends up being a debit card instead.Also, I love to make a point of suggesting tenants use their bank's FREE bill pay service.

Otherwise your carrying around 16 debit cards.

The terms on the loan:Investment: $150kTerm: 6 monthsInterest: 20% Prepayment: Minimum of 6 months interest (e.g. if prepaid after 2 months, receive additional 4 months interest)The investor will receive $3 for each patient billed monthly by the Telehealth department for the next 10 years (after the $150k is paid back to the investor in the first 6 months).

Also in the mean time I can payoff my credit debit and my cars too.

Open a separate checking account, get a debit card for it, put a chunk of money in for reserves and do all transactions from there.

Once your paycheck is deposited put 25% directly into your savings or an account that DOES NOT have a debit card.

You will need the following;* 25 % Down (Your Funds)* 9 Months PITI in reserves ( Outside your 25% Down) - Principle, Interest, Taxes and Insurance* Closing Costs (5%) Appraisal, Insurance Pre-paids and TitleIf you do not own a current multi and do not own your own home major suggestion is to consider a 2-4 unit owner occupied aka House Hacking to acquire your first Multi Family with 3.5-5% Down.Let me know if you have any questions.Regards,Joe Scorese

The result was - estimate closing costs, including prepaid items and escrow account funds, for a fixed 30 year fixed-rate loan could be $6,030!

Delayed Financing ExceptionA cash-out refinance within six (6) months of a purchase transaction when no financing was obtained for the purchase transaction are allowed under the following parameters: The new loan amount is not more than the actual documented amount of the borrower’s initial investment in purchasing the property, plus the financing of closing costs, prepaid fees, and points (subject to the maximum LTV). 1.