I asked two different loan officers (one at a credit union and one for a conforming mortgage loan), and they both said that if you're not borrowing from the heloc, it doesn't increase your debt or your DTI ratio.  

I do the same stuff I do here in the brokerage office and for the agents around me, just ask em, but obviously the reach is far more limited, right. 

Chances are your Loan Officer doesn't even know what an overlay is. 

exp and Real and other cloud brokerages have the advantage of lower splits and few main offices.

As it turns out, both the heloc loan officer and the confirming mortgage loan officer said the same thing - since my heloc has a $0 balance, it doesn't count towards DTI calculations!  

You can also share the notebooks and collaborate on them through Office 365 if you so desire. 

This often happens when the assessor office creates a separate lot for tax purposes but the larger lot of which it is part was not legally subdivided.Also, as pointed out above, tax liens, weed abatement charges, HOA, etc all usually survive.  

My name is Lane Tucker, and I'm a new Loan Officer based in Fargo, ND.

Your loan officer should help you decide which pre pay option is best for you. 

No notice was sent to our office or any addresses for our LLC that owns the property.