You can't just take what you paid and start charging interest on that figure, because part of what you paid was already accrued interest.

.- Cities like Toronto will levy another tax (Vacant Home tax) equivalent to 1% of the current assessed value of the property if the property is not occupied (rented, owner-occupied, family occupied, all count as occupied)- Land Transfer Tax: while the Province of Ontario charges anywhere between 0.5 - 2% of Land Transfer Tax when your transaction closes, you should expect to pay this amount twice if the property is in the City of Toronto .

As long as you file it, you have protection from the charge of fraud.Tip: if you file Form 8082 to protect yourself, send your tax return in by mail.  

I am thinking the Pros of the HELOC/HEL are a faster closing, perhaps a cash discount for the purchase, no PMI, lower rate/cheaper closing?

That is enough albeit only a cheaper property and, while I don't know Florida that well, I doubt there are many in that price range. 

The reality is the opposite - if it's not in writing then the PMC doesn't have to provide the service or can charge extra for it.We have a 12 page management contract that we've added our real experiences to over the years, with the intent of protecting both us AND the landlord.

Labor is much cheaper than other parts of the US.

So they would first payoff the first mortgage, if there is a second then $ goes to the second and if anything above that goes to any other lienholders or the homeowner.There are a lot of people who invest in 2nd mortgages because they are cheaper than a first, but in Ohio (not sure all counties) you have to pay off the first at foreclosure so if you do not have the money to pay off the first you are out of luck. 

She is upset because I am charging her for a technician call so now suddenly she's at me with "my lease is not with you" stuff.Just wanted to make sure I was correct in my statement to her.

I am being charged $225 a month in interest on my loan to AHP.