Thanks Kyle, understood, just looking to leave some info with them after any discussions.Thanks!

Understood.

I could be wrong but this is how I've understood it.

People with net worths measured in the millions of dollars never blinked when my rate was a bit higher when I was a mortgage banker, they understood that the cashflow on a property that doesn't close b/c the mortgage got botched is precisely zero dollars and zero cents, IRR 0.000%, cap rate 0.000%, annual appreciation and equity gains 0.000%, and so on.

What are the best ways to leverage these homes for cash now, while avoiding tax.  1031 continual upgrading an tax deference until passing to my children is well understood for generational wealth, and waiting for the properties to get paid off for retirement cash flow is also great, but neither assist in leveraging equity cash which is just sitting there. 

It needs to be understood that title insurance is based on risk avoidance, not risk assumption. 

Just to make sure I understood everything correctly - The house I'm currently interested in has multiple liens against it, with the oldest being 5 years old and the most recent being about a year old.

Bill, If I understood you correctly, we should write the loan at the 12% interest rate, but charge the lesser amount of 9% in appreciation of good standing?

Realtors and seller use claims as a way to catch a buyer's attention, if any really understood the matter, they wouldn't say what they do. 

I went to the assessors and county recorders office today after work and told them the situation, They went back in their records and noticed I have been the only one paying property tax and have been a resident for 8 years so they understood that the deed was inaccurate and so they said they may have to void the affidavit term of joint tenancy deed that my aunt made with inaccurate information and start over with accurate information.