As an agent I could pull it off, but someone who doesn't have experience, you can do more harm than good. 

The software will not be harmed if you buy something that devastates you financially.

@Marci Stein Do you have any objective source that suggests soap or washer outflow is harmful to a sump pump?

Is there any harm (mainly tax liability) in waiting 3.5 years and both refinance the mortgage and transfer the title together? 

This could do more harm than good.

It's the substance of the transaction, not the structure.So, the inquiry becomes not whether you are representing others and engaging in 6 defined activities but simply whether you do 2 or more deals involving real estate in 12 months. 

I believe you will need a very good reason for why it should be delayed with an explanation as to how it will benefit or at least not cause additional harm to the Trustee's beneficiary. 

Everything I read online says DO NOT use exterior stain on the interior due to the fact it gives off harmful chemicals. 

I'm debating if to start with them because I've been trying to do my own research but I'm not finding anything with substance to actual help me start. 

He may have a substance abuse issue but I have no proof of that and he is unemployed I believe.