The closing attorney or title co will draw up the closing statement so each party will know exactly what their costs, credits or debits will be in closing the transaction.  

They would fix my $100 for the next 18 months as a grace period so I have time to put the tax credit money "back in" the full cost of the panels.

What is your roof goes, a heating unit.... you're credit card debt could build up quick as a result of this putting yourself in a bad situation.

Mint did a decent job for me previously, and Credit Karma is less adequate. 

The industry standard currently is around 70%, but there are some that will go up to 75% or 80%, but you've got to have pristine credit.

But 3) Try multifamily specific brokers, crexi and loopnet, although 2-4 units maybe scarce. 4) A home equity line of credit is a good source of funds however it will generally make your overall monthly payments higher, so unless a deal is very solidly cashflowing, a HELOC may put you into negative cashflow. 7) Typically electric/gas are paid by the tenant - however this isn't true across the board. 

I have no debt, significant equity, good W-2, and excellent credit.

As a coin itself, bitcoin is beyond terrible. 

Everything he teaches about personal finances (budgeting, car loans, credit cards, etc.) is spot on.

You are likely blending PMLs with HMLs here, most PMLs lend on a relationship basis and most HMLs underwrite the credit profile and risk of a deal.