Instead, he used our one-hour sessions to review and repeat the exact same useless generic information contained within the online modules and to sell us on buying his whole life insurance policy he sold on the side.

(different loans have different seasoning periods for your funds and different guidelines on allowing gifted funds - something to consider) To determine closing costs you can call a local title company in your chosen area and ask them for their fee sheet and your lender should be able to provide you with any other fees associated with the loan.

I know that for purchase loan,   some closing costs such as recording fees, title insurance etc will be added to the basis, other loan-related costs such as origination fees must be capitalized as costs of getting the loan and can be deducted over the period of the loan.How about  refinancing closing costs?

Helped us pay off the mortgage, now we are paid to live here after paying all expenses like taxes, insurance, utilities,  internet,  etc👍 

In Akron/ Cleveland, title companies take care of everything.

Lots of issues to consider like title insurance, due on sale, comingling of funds, IRS red flags etc. 

I misread your post title and was extremely curious why you wanted to save the dog's pee! 

As far as the deed question - you could quit claim deed it, but you'd have no title insurance.

Our charge is 25% of gross monthly rents after the cleaning fees and Waivo damage insurance fee; both of which is just a pass-through.

They came back and said it was greater than 50 years old so they wouldn’t insure it.