Using a HELOC against the ~$100K that I have in untapped equity in my present home.2.

The property isn't inhabitable in its present condition and our plans were to fix it up.

Reduced investment, reduced new units, and that outcome is presently in affect.  

Agreeing on price is a start, after that you need to detail out who is going to pay the assessments, pro rations, etc.If you agree to terms verbally, you will need to present an offer with your earnest money check. 

The closing costs presented to me are about 6000 dollars.I was told that points are money as insurance for the bank that I will not sell property early, so they can keep getting mortgage for 30 years.

Typically, at auction, they want cash right there on the spot.Alas, I'm not presently aware of a way to fund a VA loan in an hour...

Does anyone have an example/sample of a disclaimer you would use at the beginning of the presentation document?

Zillow is great, but not for the zestimate, but for the past sales that are shown and properties that are presently on the market.

Finally spoke to a guy named David Poku and after a fairly good presentation I asked for a few references and they can't give them out.

Are you looking for the present value of the note?