That was not asked so I assumed Jon and the settlement agent and attorney would cover it, but if I were buying I want an assignment on all personal property in the place to the extent of my buy in.

They just are not exposed to the business side of a brokerage, except when they have to go to the office and provide a correction.While many think the closing company is responsible for a closing (they are to a degree) but itis the listing broker who is ultimately responsible and gives closing instructions to the settlement agent if there is anything off center from the customary, depending on state law.

It wIll take just as long with another settlement company.

See my wife was in an accident some years back and had a settlement, so here came, can I borrow?

Also, would it be its own line that starts depreciating as of the date of the refinance (settlement or disbursement date?)

If they balk at you taking the last month's rent out of the security deposit, because they didn't pay, then you can decide how to proceed; or offer them a settlement and have them sign a release of liability in addition to receiving partial SD back for say 1/2 month.  

I made a cash offer on a house that was listed as a short sale with settlement within 45 days.

It IS easy to feel the frustration during this period, but again, put it into perspective for what you just avoided paying that the home warranty is picking up for you.Also, what alot of people don't know about some of these warranties, is that if you don't like their decision to repair, or whatever the recommended course of action is, you can opt to take a cash settlement for the cost of the repairs they are proposing, and then go do whatever course of action you want to do. 

There is no difference between SFH vs 4-plex.The closing cost credit can ONLY be used for upfront mip/closing/settlement/lender fees.

If not maybe sell the equipment inside if it is paid for and negotiate a settlement to break the primary term of the lease early.