Understood.

I am not sure if the Legal person I talked to understood the length of her time there so that could be the confusion. 

Different mediums have different purposes, that's the premise of media Whatever you say lady. 

Medical Payments: Provides coverage for an injury suffered on the premises.

When I read the bank would accept 91k I understood that to mean that was the 30 day payoff amount on the mortgage.  

The fact they ask you to do this is not only a red flag for obvious reasons, but also because, they should know better how risky this is for you and if they had true good intentions they would have understood that and not offer you that option.What you can do is tell them..

The SubTo community has become bro-fueled tupperware sales and Acme/Avon downlines.Anything creative is best done with complete transparency and the entire premise of SubTo is not transparent.

I understood that rent prices are decreasing.

Understood.

I think its just understood in the industry that the buyers agent will include one with their offer. thats what we have seen on our new builds..