But he can refuse to discharge without receiving what he wants unless you can prove he is wrong.  

I would much appreciate feedback on the following:# 5 Closing Cost:  when its saying Buyer and Seller to pay their own closing cost. is that referring to the Seller paying for discharge of sellers mortgage and paying for the Owners/ Seller Title Insurance?

If a property owner files Chapter 7 Bankruptcy, and it is discharged, it essentially removes their name from the note.

If an owner with equity files for bankruptcy (BK), can exempt their equity from the BK estate and gets a discharge of the mortgage debt, how (if at all) does that impact the ability to make a deal on the property before it goes to a sheriff's auction?

The owners then filed for BK protection (Ch. 7) and received a discharge in 2012.  

So the double wammy is no equity, first files foreclosure and the note is discharged in Chap 7.

We just had the meeting of creditors, and now I'm working on filing my complaint to not have my credit discharged.

Since you recorded the mortgage, it will come up on a title search just as a conventional mortgage would and you will just need a payoff letter and discharge drafted up for the refinance closing (your title company can help with that too).The only caveat is that most banks will want you to season the rental for 6-12 months before refinancing any amount above the initial loan.

You have to be full time for 3 years immediately proceeding your broker application, pass the 150 hour broker course, and the pass the state test.The full time experience requirement is waived if you are a veteran, who was honorably discharged.

The purchaser would not need to set-up a lease option with the original landlord/owner as they are no longer connected to the property (the college student owned it, sold it and discharged the mortgage to the original owner).If the option is not exercised and the college student has been making payments to the owner/landlord other than rent, then you have an instalment sale and the college student will have some amount of equitable interest in the property (whether title has transitioned or not).