Yes, as it also includes about 15 months of prepaid property taxes and insurance.  

I use it for my CPA practice, tracking income from different sources to help me measure, budget and anticipate, and we use it for all of our residential and commercial investments (separate company from the CPA firm) QuickBooks does all the debits and credits without you even realizing you are doing debit and credit bookkeeping.

If you have a pre-paid legal service these documents can usually be reviewed and customized fairly easily through the service.

It's painful and you will feel like an a$$hole, but it will save you a ton of money.I used this strategy a couple months ago and ended up paying a total of $2,200 in closing costs, including $1,500 in pre-paid property tax which I was going to owe anyways.So, yeah...

Further, you can also choose to have the property hazard insurance paid out at closing as well, and not pre-paid.

Do a last month vs 2 months pre-paid.  

Even my debit cards are in the names of my LLC's.Everything is held in trusts with the beneficiary as either a LLC or another trust (maybe an offshore one??)

An insurer willing to offer vacant property / builder risk coverage, preferably on a month to month basis rather than pre-paid quarterly.

By default this VAFF is financed into your loan so at the time of closing your 100% loan (because VA is 0% down) is effectively 102.15% loan to value (ratio of loan to the value of your home/property).The reason I say this is because after 6 months of payments you can do a VA IRRRL (interest rate reduction refinance loan) and the VA FF on a VA to VA loan is only .50% so you'll be able to most likely lower your rate in between the two loans and get away from paying both VAFF on the purchase loan and the refinance (VA IRRRL) loan as well there by saving you the 2.15 pts upfront.Yes, there is a bit of interest rate risk however to avoid 2.15% points upfront into your loan is huge, and the strategy may very well be worth it and is worth it for most (I've done many of these succesfully).If you structure your VA loan correctly in unison with a RE agent whom is a good negotiator you may pay no VA FF or closing or prepaids as well. 

I requested a lower payment for one servicer and set up a recurring auto-debit for another.