While both closings were nearly identical and same time frame, only one property recorded prepaid taxes which the title company mailed back (August 2020) and there was nothing collected for the second property.3) We think informing the lender of the problem might help put pressure on the title company, however the lending company of of the most skittish we have ever dealt with and might take drastic measure such as recalling the mortgages or something crazy...what could a bank legally do if they learn the title has never actually been recorded in the name of the borrower? 

This is especially easy to do with software, information courses, or other subscriptions that you know you want to keep.A word of caution: Under a 12-month rule, you cannot deduct prepaid expenses that run more than the end of the year following the current year.

-you’ll have over $5k just in prepaid taxes and insurance at closing-you’ll have a 1.75% MIP fee at closing added to your loan balance-you’ll also have about $200/mo in MIPHow many units is this?  

This covered all of my prepaids, reserves, & I even had a little left over to go towards my equity.

This covered all of my prepaids, reserves, & I even had a little left over to go towards my equity.

Other pre-paids like interest beyond 30 days, taxes and insurance are due at closing from you.

Has he told them he prepaid the last months rent plus deposit?

If you have a loan, the lender will require prepaids in escrow -- Insurance, taxes, interest, rents sometimes if it's a rental property. 

Its called prepaid rent. 

This covered all closing costs, prepaid interest, initial escrow, AND left me with a $5k check after close.Normally when you pay points you amortize them over the life of the loan, but I'm having trouble finding information on how to book negative points.