Quote from @Jokari Trueheart: HI, almost 11 months ago I purchased 3 duplexes and I borrowed the funds from my personal residence which I took out a equity agreement for the down payment on the investment property, great idea at the time because I have 10 years to pay it off and theres no payment requirement, but , I learned more about the consequence that it takes a large chunk of my equity the longer I take to pay it back, so my goal was to refi cash out the investment property to pay it back but I don't think theres enough equity yet to pull the full $106k needed, I only borrowed $88k but with the equity percentage for one year i'm paying about $18k in equity on top of the amount I borrowed if I pay it off in year one, so I need this paid off ASAP before it increases more.

It would appear good ole Dutch has been using new investor funds to pay liquidations i.e. robbing Peter to pay Paul.

Agent gets paid from the net proceeds unless the seller is unwilling to pay the buyer agent fee/commission, which in this case you do not have an agent; that agent would ask (if they were representing you) for the buyer/you to pay them their commission from a buyer broker agreement (if the seller was not paying commission).So it's the same difference, the seller will pay it (2%), and the agent will not come out of pocket for it.

You’re not going to find a safe way to do what you want unless you or the “buyer” has enough cash to pay off the note. 

It’s waaaaay easier for a company to fail or be unable to pay rent than you think.  

The safest approach is to pay the worker as a W-2 employee and allow them to donate legally.

Good point - At least in FL, since I am licensed I can pay to the other agent's broker legally.We pay the same regardless if it is an RE agent or not, i.e. we pay that same rate to friends, family, current clients, vendors, etc.

So he's paying his mortgage faster while not paying interest on the HELOC.

How come he isn't paying the full amount?

Let's say they pay you $2000/ month * 12 = $24,000/year.