Credit Karma uses a Vantage scoring model (which we do not use in the mortgage industry), but the trend will be the same as mortgage scores. 

Looks like they have an event in Edmonton this weekend.  

and for sure I would think BP charges sponsors to advertise on the forum just like they charge to advertise on this forumthey are having some sort of event and the guest I saw were Brian Burke ( top shelf ) and Jeremy Roll ( another wickedly smart dude)  compared to the guru trainers who I really dont know much are anything about so cant comment on them. 

In your scenario you'd have a potential tax event on that $200K difference.Here's a creative way to access most of that money tax free however. 

Going to the events page above and seeing who is hosting meetups along with connecting with people at these meetups is a great way to grow your network of people within a small 25-50 mile radius.

So in those states it's possible to hold a deed in escrow pending the occurrence of some event, then deliver it / record it.

Also with plans to reduce industrial "intensity" in and around residential areas. 

This would allow you to access some cash for other purposes ( Tax Free) because a refinance is not a taxable event.

All fees seemed right in line with industry standard, ($9.95/mo, per entity + one-time registration fees). 

Seemed commercial/industrial.