He also used to be a wholesaler so when i find deals he will lock them up for me and send the contract hes been using for years to his attorney, and then he'll still pay me out for my work.

It may sound nice to pay a 6% management fee but the extra fees can add up to be more than the other company that charges 10% with no additional fees.

Someone told me I’m crazy since they still always pay. 

What have you been paying for utilities?

and are you looking to walk away with cash or simply refinance (meaning paying off) what you owe? 

It may sound nice to pay a 5% management fee but the extra fees can add up to be more than the other company that charges 10% with no add-on fees.

If we can't find a solution, I think she will be OK with me adding her property under my own account, and then me paying her out monthly.

if they are pressuring you like this.PLEASE watch the American Greed Episode on Remmington Financial  .not saying these guys wont or don't fund of course.. but when I do my deals with my banks its common that I pay for the phase one and the appraiser directly..  

I went to pay them, couple of days work I'll pay with a check (1099) and cash it for them.Hey Tony, I've got all O's info what's yours?"

You should never use a debit card or pay for medical expenses from your HSA, ever!