2-In the civil judgments I see (company name "not a bank" VS individual "property owner") like the company sued the home owner and trying to collect their debit through judgment at the court then won the case and got the court order to the sheriff/constables to levy and sell at the sheriff auction.

I selected this one because it allows you to accept ACH, CC, & Debit cards, but also allows you to select who pays the fee

You can include all of your cash-out refinance cost (and prepaid) in your mortgage (If ARV supports).

PROPERTY SUMMARY Property                                                                Florida Heights, Atlanta                 Westview, Atlanta           B/BA 4/2 3/1 Sq Ft 1,980 1,135 Built 2005 1948 Asking Price $ 99,000 $ 99,000 Source Local Wholesaler Local Wholesaler Occupancy Tenanted Tenanted Current Rent $1,030 $865  DUE DILIGENCE Exit Strategy: Buy & Hold                                    Pro-Forma ARV (as-is) $145,000                                          $140,000                          Pro-Forma Rent $1,400 $1,200 Rehab for Buy & Hold $15,000 $10,000 Exit Strategy: Flip Pro-Forma ARV (Flip) $210,000 $390,000 Rehab for Buy & Hold $50,000 140,000CASH CLOSE Closed within                          30 Days                                             10 Days                            Close Date 1/11/2019 1/11/2019 Contract Price* $ 98,000 $ 99,000 Adjustments (Taxs, Pro-rated rent and deposits )*               $ (1,416) $ (1,201) Closing Cost* $ 1,005 $ 1,369 Adjusted Purchase Price* $ 97,589 $ 99,168 * Per HUD StatementREHAB PRIOR TO APPRAISAL Handyman                                                             $2,230                                               $6,025                             Gutter $250 $1,150 Appraisal $695 $695 Plumbing $0 750 Cleaning 0 125 Total Rehab Cost $3,175 $8,745 MORTGAGE Loan Product Delayed Financing                           Rate/Term Loan            Closing date 2/21/2019 2/21/2019 Appraised for $ 156,200 $ 150,500 LTV 67% 71% Rate 5.75 6.12 Term 30 years 30 years Closing cost and Prepaid (Financed ) $ 8,502 7500 Loan Proceed $ 96,500 $ 100,088 Rent Collected during mortgage free months $ 2,060 $ 1,730 Total Cash Spent $ (100,764) $ (107,913) Cash Stuck in the Deal $ (2,204) $ (6,095)Pictures of the properties: BRRRR Analyzer we use: (2 of 9 tabs) 

Target demographic.under-bankedlack of credit...credit cardheavy cash usersgovernment assistance now provided on EBT cards (this is big for ATM usage)expanded use of prepaid debit cards from employers and othersgrowing lower classdigital signage/billboardsbox advertisingvideo advertisingfuture - couponing sent to mobile phones when someone walks by the ATM

How much prepaid/reserve did you guys had to show?   

You should increase the rate and get a lender credit to cover all your costs, the upfront MIP, and all your prepaids. 

Whereas with an owner occupied home I do the check once and then they stay for years and years.Also tenants have no pride of ownership - so that means more work for me noting Park rules being broken and then pestering you about how your tenant keeps putting foil in the windows.Unless I had a severe occupancy issue I would not allow renters either, and would not do your pre-paid lot rent deal.  

Loan Type: Cash-Out RefinanceNumber of Properties in Loan: 4Interest Rate: 4.75% FixedPoints Pre-Paid: 0.5%Term: 10 yearsAmortization: 20 yearsLTV: 70%Closing Costs: $1,000 each plus $350 for appraisal.

Here are the details of the transaction:Purchase Price: $31,000Estimated prepaid Items: $1,081.40Estimated Closing Costs: $1,916.62Total Costs: $33,998.02Other CreditsCash Deposit on Sales contract: $1,000.00Loan Amount: $27,900.00Cash from Borrower: $5,098.02So, I put down $1,000.00 earnest money, and they're saying I'll have to bring $5,098.02 to close.