I know Massachusetts doesn’t like landlords that’s why i am a bit hesitant to take legal action.  

If you act as a consumer and unless any of the legal exceptions apply, you have rights to cancel the Subscription Listing Fees during the cooling off period.

How do you think you can get approved for a conventional loan without a job and why are you trying to invest in property, get a loan on it, when you have no income?

In either instance, I would certainly have an attorney make sure everything is buttoned up and legal to protect you both.  

Although, you are providing a lot you have to remember that the broker is legally on the hook for all of the problems.

Now have water installed, w/ 6-bedroom (4-bedroom house and 2-bedroom ADU) septic approval.

It is also relatively inexpensive compared to LLC formation, upkeep, and yearly registration/possible tax.The #2 point that makes this a mute discussion is you are not going to be able to move a property underwritten by a GSE (as most mortgages today are) into an LLC legally. 

I have called 20 banks and no one does a 1st lien on investment properties except 1 stated they would if owner occupied.During the research I read a website, which stated that 1st lien HELOCS on non-occupied are illeg...

Dustin, I would suggest consulting with an attorney to determine if this is legal in your state.

Additionally, it can help maximize renovations and improvements.A Cost Segregation study is an IRS approved federal income tax tool that increases near term cash flow by utilizing shorter recovery periods for depreciation to accelerate return on investment.