But it wasn’t a smooth transaction.

My goals would be to increase monthly cash flow and have more access to the property's equity for things like Cap Ex, etc....Here's a blurb from a lender's website:"By combining banking functionality with home financing into one dynamic instrument, borrowers are able to save tens of thousands of dollars and years off their loan""Designed after popular programs around the world, the All In One First Lien HELOC is the nation’s first transactional offset type-mortgage program.Home financing and banking combined:Deposits lower your loan’s principalFunds remain available for expensesInterest is calculated on the average daily balanceThis lowers the monthly interest paymentsTens of thousands of dollars can be saved over the life of the loanMortgage freedom can be achieved in half the time or less

No I am a transactional lender.

Has anyone had experience with this type of transaction?

Will it match the statement amount up with the actual credit transaction for the bank account attached to Stessa?

Truth time: I suspect the reason you didn't get any responses back from these alleged "wholesalers and investors" is that hardly any of them are actually transacting deals!

Yes, you can generally use suspended PALs from other properties to offset gains when you fully dispose of a property in a taxable transaction.

Selling your property now will incur commission fees, so you’ll take additional losses on the transaction.

I've only experienced this on the buy-side of multifamily acquisitions, but have been involved in transactions where the lender requires a CofO and they have gotten comfortable with just the I-card, when there is no CofO for the property. 

All I am asking is a reference to a bank that has a good web site that will allow me to do all my online transactions and be easy to work with.