Is there anyone on here that has offered coliving on a small scale? 

Start there it will offer many more options and choices than the 'loan officer' at your bank branch.

Been rejected, beat by cash and higher offers a bunch of times.

. * You could get your own inspector to give his/her blessing and see if someone offers without their own inspection.

They are advertising very heavily for Pine Street Multifamily Luxury Apartments.Would like to know how good Paradyme investments is and any opinion on their Pine Street multifamily offering.

if hvac is really, really old, you could try shopping a "home warranty" that doesn't have hvac caps and exclusions and just get it for "systems." i know AHS used to offer those a while back, but even they started capping to to 3k or something silly.

One last idea, if you are on friendly terms with your neighbors, offer a gift card, dinner or (fill in the blank) in return for cutting up your tree and hauling it.

BP offers a wide range of helpful tools to enhance your knowledge. 

If your goal is assume a loan, I would offer the lender some sort of compensation as they are generally only paid if they write your loan, which is not the case with an assumable loan, as the current servicer will be underwriting and providing the new loan.  

A refinance that only pays off the existing balance (plus any costs) is considered a rate and term refinance and should offer lower mortgage rates and costs due to simplicity.