Long story short, after doing the math it would take roughly 12.5 years to get our offer amount by renting; yeah we understand homes usually appreciate over time; however in these current times where demand is super high; and all the red tape surrounding landlords; Id say cut sling load and sell.

I understand the skepticism and the concerns expressed. 

Im literally in the final stages of closing on the loan and my rate would jump from %3.75 to %4.12.None of what she mentioned made much sense and later on in the day I reached out to another lender who said he's never heard of this fee in the first place Which I also found odd.

I have reached out a Liberty Tax, H&R Block, a local account to help me understand how this return should be completed.

I understand that realtor commission can be used, but I haven't been able to get an answer about MLO commission and if that can be used?

From my understanding, the seller finance laws are quite different in Canada vs the US. 

If I am understanding the situation, you took at a 12 month loan and it is now due and the lender is foreclosing (I do not understand the six month comment).Here is the reality, getting a lawyer and spending $ to delay a foreclosure is only going to cost you more $ as the lender will also have legal costs that get added to the loan and you will have legal costs.Your options are refinance or file bankruptcy.

Understand what forms are needed and when, don't be late filing them, and you can avoid the need for a specifically trained solo 401K expert CPA. 

Go take a drive through and you'll understand.

Trying to understand the order of operations to do this: detach doors, sand, prime, repaint boxes.