If something you can't pass up comes along, you've got $200k liquid with the click of a mouse and are ready to jump on it right damn now, and you weren't paying interest on that $200k in the interim for no reason (ok you could take that $75/yr and divide it by $200k and claim you were paying 0.0375%... whatever).If you think that 'something' that might come up is going to need more than $200k, get a local lender to run numbers and qualify you hitting your DTI with what the payments would be if you maxed out that $200k HELOC.

They actually have to hold the note for 30 years, and there's also whatever it is that make fannie/freddie not like it, so together this is higher risk.For owner occupants: if Fannie/Freddie/FHA/etc can't understand your situation, this isn't a crazy thing to look at.For REI: Rates/terms will be pretty damn close to commercial.

You aren't really supposed to move completely out of the property unless you do refinance with a different lender or you experience some kind of outstanding circumstance that requires you to move.

I order a Municipal Lien Certificate from the city (confirms if taxes are outstanding as well as water, betterments etc) I used to do the title exam myself but the national title company want a third party because they would also have malpractice if anything is missed) I review what they send me and make a judgment as to the marketability of the title or if there are any other issue so the mortgage company is in first place (so I would order pay offs of any current mortgages or judgment liens, etc)Most of the registry of deeds info is available on line so I can double check or do a preliminary search (or anyone can search for that matter) As for getting copies on line, you usually need to be registered and have an account because they do charge by the copy.

I would say some of the speakers have been outstanding and the networking has been solid.

I found out that her outstanding mortgage balance is $96k.

I recently purchased a performing first which has an outstanding HOA lien attached. 

Damn I'm envious!...

The interest paid back to myself would only benefit my retirement, I can stop giving money to those damn dirty banks, AND, most relevant to this post, I would lower my taxable income to an all time low. 

There are lies, damn lies...and statistics.