My interest in entity transfers is the ability to forego a massive increase in the tax bill upon reassessment.

I would send them a bill now, not 30 days from now, outlining the charges, even if they are just estimates.

Getting to the point of why I am here - It seems I have the ability to open an HSA at any bank that offers them, then do a rollover from Optum for $20.

Yes, if it’s just a web frame cross-development framework that lacks any ability to leverage a device’s native capabilities then the cheapest route to market via web certainly wins.   

@Chandler Williams this is strictly how I look at wholesaling and house I do it, so just my two cents:As a wholesaler, you should have the ability to put in an EMD within 3 days of opening escrow. 

I have the ability to put 10% down.

I'd purchased it on a land contract, paying interest only for the first 5 years, with the ability to extend another 5 years if I'm not able to find favorable financing to refinance within that time period.

Typically, you'll be licensed and will receive bps on the LO's production, as well as the ability to originate your own loans at full comp when you come across the opportunity.

The ability to do cost segregation and bonus depreciation3.

The same goes for your credit score, which tells us nothing about your ability to flip a house and pay us back.In sum: Experience, Integrity, a Killer deal.