I'm thinking about using Cozy for ACH bank transfers.

Charge the tenant a "water transfer fee" up front that covers the fee.

If more than one conversion or plan rollover (not including designated Roth 401k account rollovers) was made to an individual’s Roth IRAs, the conversion/rollover assets are distributed by year, generally following the concept of “first-in, first-out.”The Roth IRA distribution rules can be complex if you have transferred Roth 401(k) funds into the Roth IRA. 

If you choose to allow someone to transfer their option that is your choice.

2) If I SELL it, then I may have to payoff the Mortgage Balance and also pay the Transfer Taxes.

Property transfers are slowing down, home flips are inflating figures at unjustifiable amounts, and quite frankly, Phoenix is a place where when a recession hits, companies start cutting jobs in backoffice functions first, many that reside here in town. 

The other nice thing about it is that my loan is transferable and assumable.

You need a few things, cash (see above), good credit, a little discipline, and some serious guts (I remember sending the first wire transfer 😮).

You need a few things, cash (see above), good credit, a little discipline, and some serious guts (I remember sending the first wire transfer 😮).

I just bought my 1st rental property last year and need some help with what costs to file for tax return.Turbo Tax asking to escrow fees for following categories:Abstract and recording feesLegal fees, title search, document preparationland surveytitle insurance transfer or stamp taxesexpenses you paid for the sellerThese are the expenses on the closing summary:Record deedrecord mortgage mortgage taxbank attorney feeHOA questionnaireflood certification feetitle examtitle insurance (mortgage)title insurance (owner)delivery chargelegal feesapplication feeappraisal feecredit report feewhich categories will the fees on the closing summary fall into?