Mind if I give you a call?

I don't think that would be an issue but you can always call TN Department of Revenue and ask them that question for a precise answer.

We also have a virtual mastermind call this Tuesday. 

The person calling you is on a money grab. you do not need a wyoming trust. 

There are HELOANS - at that juncture, your best bet is to evaluate what is called the blended rate and compare that to an entire new first lien (cash out).

Give me a call or send me a message!

There is no one-size-fits-all answer here. i have clients call me asking to lock in the maximum buy-down we can possibly allow; and others who think its a terrible idea. as other's have mentioned, i would first look at your recoupment period.

Called my main guy this spring for some work.

I would suggest getting Dave Ramsey's book called The Total Money Makeover and read that.

Now if you advertised your rent at $1,000 but for a animal you charge $50.00 you don't want to call this pet rent.