If you re-read your post, you will see that it is all about emotion and personal family circumstances. 

I'm on the road right now so will need to reread tonight to fully digest but overall it is nice to know what I already suspected that major banks are not a great option, and that there are other ways to skin a cat here.

Sorry don't have the time to re-read all the case law to cite, and again just my thoughts on the matter.  

That's a keeper to re-read every year or two."

Jen sorry for spelling sent before I could reread..

I will most likely re-read this chapter again and try to digest a little bit more.

If you are looking for advice, maybe you should reread your original post and rewrite it.

How to re-write the lease to be month to month (I need to pull it out and read it before asking this because it may be pretty self-explanatory once I re-read the thing.) and 2. is there a surcharge typically expected on a month to month lease?

There's a lot of good information/advice in this thread...when you're ready to listen, I recommend re-reading it...

I'll reread your posts a couple of times to see if I can learn something.