I got a HELOC loan on the home for $130k.

Usually when I close on a house, the insurance company sends out somebody to do a visual inspection.

Gifting equity in a house may be more trouble than it is worth if you are not near the life-time exclusion1) Potentially having to get the property appraised everytime an equity is gifted2) Having a title company update the title every time3) Exemption of the gift tax return is normally for cash gifts below the annual gift tax exclusion, you may still need to file if you gift non-cash4) If there is partial ownership over several years, having to properly pro-rate certain items such as real estate taxes, mortgage interest and rental income if the property is a rentalBest of luck 

I worked for a US retail company that had a policy of accepting returns no questions asked and even when I accidentally uncovered someone seriously abusing the policy, my bosses wouldn't pursue the matter. 

- Agents and title companies I work with always expect EM to be delivered within 24 hrs of opening escrow.

I, too, went online today and found a bunch of scam warnings about the company.

Loan officers with 25 years of experience typically are more experienced, and have less time per file, because they have an abundance of files.Loan officers with 25 months of experience typically are less experienced, but have more time to devote to you.I can't write my own loans, so when I'm getting a loan I prefer working with less busy people when I'm doing my own real estate investment, they're more responsive and dedicated it feels like.

Several were fully permitted and never developed because there were no buyers for the energy at the cost that was needed for the private companies to make a profit--and this was in a state with rolling blackouts during the summer. 

It's one of the hottest markets in the US right now with so much population growth, job growth, and companies moving/developing here (26B Intel headquarters being built here, 68K+ enrollment in Ohio State University, Amazon, FB, Google, Honda, Nationwide, Anduril, etc.).

Converting properties to multi-family is considered extensive rehab and those programs are a little more exclusive than the standard bridge loan programs.