In all honesty they did you a favor but it might be at a higher expense.

If I fail to spend all my money before I die, she will inherit the high credit, corporate backed NNN properties I developed/repurposed over the last 15 years.

You have bad credit or have not built a banking relationship.2.  

This is better than not speaking with your aunt, letting the problem linger and likely worsen.From my experience, in New York, the ultimate decision will depend on many factors and Liberal judges (as told to me by others with way more experience in these matters) can rule in favor of someone with a sob story. i.e.

By showcasing the mutual benefits of my offer, including a quick and seamless closing process, I was able to secure favorable terms that aligned with my investment goals.

He said he does not physically visit the properties.This provides even less creditability than saying, you can ignore the IRS Audit Techniques Guide.   

Hi, just to clarify on the trans union report, the "resident score" is their credit score?

My credit score is around a 720.

So I was playing musical chairs with them much as you might with credit card balance transfers.  

:This is where the contract between (or at least having something in writing) would come in your favor.