What you need is a policy from a surplus lines insurance carrier for a vacant property that needs rehab.

Both of us are full time working professionals and are fortunate in that we have a bit of surplus income (Mr.

(Amongst other things the province signed long term contracts for wind and solar power at 30c+ per Kwh, contributing to a surplus of power that is now dumped in US markets at cut rates).

Unfortunately, with the gas and oil production slowdown, many people are leaving this area causing  a bit of a housing surplus. 

Well from an economic standpoint, there's a surplus of millennials moving out of Dad & Mom's house, there are immigrants (illegal and legal) entering the country in droves, home prices are on the rise, there is a low supply of housing, and apartment firms are building or renovating a great product with desirable amenities.

The county's court of clerks notifies the IRS, and yes I discovered the letter they sent them on 12/30/15 notifying them of the surplus from the sale and that they would have 120 days to inform the county if they wanted any of those funds.  

She would do better letting the sale go through and make a surplus claim than sell to you.

If he has his budget set up, when he gets a surplus of cash on the 15th, he should be able to carry it over to the 1st to make all of his bills AND rent. 

"cash out refinance or use my own money"Do both.If you have surplus cash, above and beyond your emergency fund, invest in another property.As for refinancing you never leave dead equity in a property longer than you must to meet the refinance regulations.

So in other words: use cash flow to build cash reserves and only then use any surplus as described above.