If the title company is managing your closing or has worked with you before, they are likely well-versed in the terms of your local contract and often provide answers to simple questions at no cost, as they anticipate future business from you. 

No.

I am originally from Portland, Oregon and was priced out of my market and there was no positive cash flow anymore. because of that, I moved to Columbus to start BRRRRing and flipping houses.

You can see when the payment will be withdrawn and when it will be deposited on Avail.

HELOCs have higher interest rate but much lower/to nearly no closing costs, refinancing has much higher closing costs but lower interest rate.

Also file a complaint with the CFPB Submit a complaint | Consumer Financial Protection Bureau (consumerfinance.gov)Regarding do you have any legal action - you can prove you do not owe it but you will not get any compensation - courts have ruled long ago the only recourse you have is actual money you lost - there is no "pain and suffering" if a statement is incorrect and you have to fight with them on it.

(and we do a soft credit pull, so no more damage to that score :) )  

No matter where you are in your career, most jobs require more from you than just showing up and doing your job.

I have no interest in trying to take advantage of them, I just don't want the aggravation of maintenance jobs.

No body ?