I then tailored it where necessary.Now as a very important caveat, I new all the partners intimately, understood exactly what I wanted, and researched with meticulous care and consideration the governing law (both tax and non tax).

Understood.

From what I understood, this upfront MIP refund is why the mortgage could be refinanced without any out of pocket expenses.

We would entertain specialists from MD and VA also due to proximity, so long as they understood WV and VA tax law due to other employment considerations.Any and all suggestions provided based on your own experience are much appreciated!

That kind of incident is pretty low on the shock and awe scale, but she may not have really understood the kind of area she was moving into.

I was understood that having a parent company would make filing easier. 

Your family would be very proud of you if they understood how hard you are working to help them out financially. 

@Bjorn Ahlblad Yes you understood correctly!

I have always understood, but never done one myself, otherwise - meaning due in year of sale.

Thanks Roy understood, wondering more specifically about the legalities, the apartment and wiring is in good shape so don't plan on opening any walls