Here is an (extensive) example and as Chris says above, they can all be different: LOAN # Street CITY STATE ZIP ORIG BAL CURR BAL Deferred Balance Total Balance Accrued Interest Escrow Balance Corporate Advances Total Legal Balance FIXED/ARM DESC.

HELOC is for short term money, cash out refi for long term.HELOCs have lower closing costs, higher variable interest rate, and interest only accrues when you actually draw funds.Cash out refinances will typically have higher closing costs, a lower fixed rate will be available, and interest starts accruing right away (even if it takes you 10 months to find your next property).A common pattern if you may find a deal in a month, or 10 months, not really sure, is to1) Get any refinancing out of the way, you have an FHA loan so you should certainly drop that off.2) Get the HELOC, leave the balance at $0 so you aren't paying interest.3) Buy the rental.4) Come back to the property with the HELOC and see if it makes sense to cash out refi and consolidate the 1st and 2nd into 1 30YF.If you're determined to score that deal within the next 90ish days, skipping right to a cash out refinance is probably best.

-the seller should collateralize the note with the property (although the construction lender will want the note subordinated), pay off the loan (in addition to regular payments) with release fees as each lot is sold, and make sure the interest is paid (not accrued) regularly.Your issue is classics dealer vs investor issue.Note: Classification of gain as capital or ordinary is determined property-by-property, based on the statutory determination of whether the property is a capital asset or property held for sale to customers in the ordinary course of business.

My gut tells me the previous owner has the right to pursue those debts because they were accrued under their ownership of the property.

Hope it helps.FUTURE RENT OWED (August 1, 2021 through September 30, 2021)• For rent accruing on August 1, 2021, or thereafter, it is the expectation that tenants will payrent in full, negotiate a lesser amount or a payment plan with the tenant’s landlord, oractively seek rental assistance if assistance is needed.

The rental income would go back to the IRA (you would not receive it, but it would be there for you to distribute to yourself later in life after tax benefits have accrued). 

There is currently a moratorium for federal student loans - they are not accruing interest and no payments are due.

Then ask what it's worth for them.There's no time for them to accrue any meaningful amount in that time span if charging purely interest. 

So you either won't have access to your accrued equity, or it'll be quite expensive to get access.Best of luck!

Also, of note that depending what MLS status the agent puts the property under when it goes under contract it can accrue days on market while under contract.