I don't find any option to allow me to file it the way he insists is correct.

My parents are very generous with their time and insist on helping free of charge, but I do pay them sometimes (my rental application fees, always go to them). 

When they insist on a retail price, I say...  

I insisted we use a title company or the transaction can't move forward. 

Then we give the benefits you get with the HELOC that you can't quite grasp so you insist that it's not a magical formula (something we aren't claiming) and then we start over. 

If you insist to go at it alone, check out the Rental Housing Association of WA and join it.

Your reputation will catch up with you, I promise you it will, sooner or later you'll bump into someone in your area that looks out for the RE industry, someone who deals ethically and insists on ethical and lawful dealings in their area like me.

John, my general response to wholesalers who insist on unethical and illegal activities is simple in 2016; Another one bites the dust!

Nonetheless, some people will invest in index funds feeling like it's safe while insisting that appreciation is speculation.

I will say ( and no kidding now)  Hey is that a Burger king on the corner next to your office  when i know its a Micky Ds  they should reply no its a micky Ds  and a few other things I might ask them to go into the file and recite something from the HUD etc.Anyway just cant be too careful.. and as frustrating as it is some of the smaller back east law firms simply wont wire.. they insist on sending their trust account check.. which for some would be an issue as it can take time to clear..