Are you researching this yourself or asking your borrower to provide documentation to support this?

If it’s verbal, they’ll need to document any prior communication or payment records to establish the relationship.If the PM is completely unresponsive, they may want to send a formal written demand for communication and payments via certified mail.

Also consider all lenders will require to review your insurance when underwriting a loan and it's likely a violation of your existing loan documents to let the properties go uninsured even if they didn't require insurance escrows. 

HELOC: A cash-out refinance could be more beneficial if you're looking for a lump sum to purchase the new property outright, particularly because interest rates may be lower than a HELOC.

I know the process from beginning to end and documented this thoroughly.

For various reasons, the US government wants to understand the "beneficial ownership" of certain businesses.

If I read through your comments, it sounds as if a "life coach/mentor" would be more beneficial for you rather than a wholesaling mentor.

All of the official documents I've found so far point to the national FHA requirements as their source.

That document they provided, with all the colored font, was a mess to wade through.

Is this market dynamic and climate now still beneficial for long term buy and hold investing?