We are past the option period and the loan is already underwritten and approved by my bank.

Actually,, YOUR State law dictates the period required to return a sec deposit statement.For some one like this,, I would have done a statement with outstanding rent owed and included a statement the date apartment was listed for rent,, and that the outstanding balance due would be adjusted as to the date the apartment is rented.You might have missed your window,, you might be out everything,, What did tenant sign when she left ???

Is a grace period required in Massachusetts?

Period.

Lastly, keep in mind the % of the value, you can get as a cash-out, and if there is a seasoning period with the lender(s), you are looking to work with.  70 - 75% is typical.  

Also, its important for me to know what the closing costs and the LTV cash-out is going to look like.Some lenders mentioned that I will need to wait a 6 month seasoning period for them to offer me an X percentage of the value, and If I want to refinance sooner they'll give me less. 

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Seller likely has some time period within which to remedy defects.

These are the shorter amortization periods and tend to have 5 or 7 years balloons. 

Hi BP community I'm looking for a financial institution that can give me a heloc, on a single family home I bought for all cash that does not require any seasoning period.