I have access to all the documentation online and Wayne has been very forthcoming with answers to all my questions. 

If you use an online mortgage payoff calculator with $280,000 at 4.8% for 29 more years, paying $2000 extra principal per month, which is less than the $30K extra you say you'll pay annually with your line of credit, says your mortgage will be shortened by 21 years and save you approx $178,700. 

Is there a good option for tenants to pay online without me setting up my own website?

I did none of it online as Zillow is a joke when it comes to rental rates in my area.

I have access to the full deed database online in my county. 

I'm looking to start going to a few options and luckily my state has all deeds, liens, etc listed online. 

We collect the oil from lube shops, auto repair shops, etc. we bring it back and store it in our tanks.

@Erin Caldwell Take what you have and pics to a specialty plumbing shop.

I am not suggesting this is the only issue but I have seen some listings in the area with horrible photos online which usually is the first impression.

Services You Cannot Shop For= $2,504 APPRAISAL $575 CREDIT REPORT FEE $75 FHA UPFRONT MIP $1,522 FLOOD CERTIFICATION FEE $7 IRS TRANSCRIPT FEE $20 TITLE – BINDER $15 TITLE – ENDORSEMENTS (LENDERS) $40 TITLE – LENDERS TITLE INSURANCE $250C.