With sub-meters, the LL/PM will need to manually calculate usage of the secondary unit to subtract from the primary utility invoice to bill both tenants properly each month.

And the terms you are using:more than two times a year you post on any public place that you are looking in anyway to be compensated even theoretically for a dollar for anything having to do with a real estate transaction and don’t either have clear title to that property or are properly licensedWhere did those terms come from? 

Good to know what's the proper channel for that. 

HELOANs are very similar to a cash out refi in how they're structured, but they do not affect your existing mortgage.

If you decide to keep the home, you could refinance (and lose the 3.5% rate) or get a second position loan - this would allow you to access the equity without affecting your existing mortgage.

I use Proper Insurance. 

As a Direct Lender, (meaning the actual lender underwriting the loan and not a mortgage broker), DSCR program looks for good credit payment history, good credit scores, and validates your available accessible Cash for the Down Payment. 

It looks like the pump is connected to an ABS (plastic) drain pipe going into the ground and that like should not be clogging, at all, if the pump is working properly.Every plumbing system with a pump needs a high number of clean-outs to access the pipe so you can clean the pipes with the proper equipment.

Lack of experience or qualifications, poor communication skills, Inadequate screening processes, lack of transparency in fees and charges, negative reviews, high turnover, lack of proper accounting/financial management and unprofessional behavior to name a few.

There is also a "Myth" I would like to debunk - It does not matter how long you have been with your bank you still have to qualify for any and all loans and mortgages.