even if they don't have a bank account, they can get a prepaid bluebird card.

it is super easy and auto-debit rent collection only cost me $3.Not sure why but it keeps starring out my post if I spell the company without the extra characters.  

That's offset by actual closing costs (not prepaids/escrows).You'll also have depreciation unrecapture to consider. 

The new loan amount can be no more than the actual documented amount of the borrower's initial investment in purchasing the property plus the financing of closing costs, prepaid fees, and points on the new mortgage loan If you are looking to pull out more cash that the initial investment (purchase price) then you will need to wait 6 months.  

Credit card debit and auto delinquencies are off the charts!

Its just a ledger of credits and debits for each party.The $15.3k vs the $16.3k makes sense since the $15.3k + $1k emd adds to the $16.3kYour $17k LOOKS like you are double counting the $1k emd. 

Fund 529's for both your children assuming you are married put in 360k this year so you fund each kids with 180k and choose the conservative prepaid inflation protected account or if you are comfortable with capital market exposure go that route. 

It would leave 840 million, which i would like to deposit 100 million in a chase bank account so i can access via debit card but not with the intention of accruing interest $$$. 

I’m guessing, since you say it increased $5k and the prepaids are about $5k that’s what happened. 

Pre paid rent is just kicking a can down the road if there are problems and really doesn’t give much security.