It consists of a realtor, contractor, property manager, and a lender.

If you are using a lender, I believe they would insist that it is paid off at closing so that you have a clear title.

They would compliment a hard money lender not replace them. 

Thanks Hi Mireille, Is the lender charging you discount points on top of the origination fee?

I'd recommend nothing shorter than 5 years.Regarding your specific questions:1) Yes, any competent closing agent (title company or attorney, depending on your state) can prepare the note and security instrument (security deed, mortgage, etc.) you need.2) See 1.

From what I can tell from my talk with my lender, the mortgage is still with me personally, I am not sure if this means what I think it means though.

By remodeling Did you work with any real estate professionals (agents, lenders, etc.) that you'd recommend to others?

I'm an agent here in KC, I can set you up with local contractors, property managers, and lenders.

And not using a hard money lenders or gap funders.

My mortgage interest rate is 3%.