Quote from @Kwok Wong: Quote from @Jonathan Greene: Quote from @Kwok Wong: Hi @Jonathan Greene, @Chris Seveney thanks for your response and I apologize for the short message. 

You should just apologize and get a beer or get a beer and fight but this is a lot of wasted BS over $5K   I am not sure what you mean here.

It takes a lot of courage to act, so just remember you also deserve the victory so don't apologize for your success. 

Thank you all for your responses, and apologies for the delayed reply.

I apologize on the autocorrect miss spelling above

She apologizes and says she is having problems with her keys.  

Like I said I'm still in the beginning phase so I apologize for the rant.

Here's the difference (sorry if I'm being pedantic here, apologies if you already know all of this): Sub to is when the buyer takes title and starts paying the existing mortgage (but doesn't assume the mortgage, it stays in the seller's name).

I apologize if this is convoluted, I freely admit that I don't have a great understanding of average daily balances and my example is hard to understand, I wanted round numbers. 

@Travis Wylie - my apologies for the delayed response.