I don't even want to circle back with the lawyer I originally engaged as I was not impressed with his support or follow up.  

Origination fee was about 7K, about 1.5-2 points, and a transfer fee since the loan was being moved from one name to an LLC.

The original mortgage was 144,000 and I heard that the junior mortgage falls off [it was a tiny 32K].

While I call Florida home, I am originally from Baltimore, MD, and I also run a small real estate team there.  

At a high level based on what I'm reading, this may be one of those where you give your brother an ultimatum: work together as originally discussed, or you buy him out and call it a day.

Florida was one of the original 13 colonies9.

[Sale Price - (Original Purchase Price + Improvements) = Gain] In order to benefit from the $250k exemption, must be primary residence, lived in 2 out of the last 5 years, can use this once every 2 years.Looks like there's no capital gains Tax in Washington.

Yeah, I've been using it a ton since my original post, highly recommend!

The key occupancy requirement for FHA loans is at the time of the original purchase—usually requiring you to live in the home for at least a year.If you've met the initial FHA loan requirement of living in the property for 12 months (which you would have by November 2024), you're typically free to move out and house-hack again, even if you choose the FHA streamline option If your goal is to acquire another property in Q1 2025, refinancing via FHA streamline shouldn’t prevent that.

Originally posted by @Shawn McMahon:I am not an agent so I don't have immediate access to the MLS.