I never had to do it but I would assume you could just cash the money in a bank if they asked pre-closing.4) If you're considering reaching out for more information, feel free to let me know.Lastly, regarding the policy with Mass Mutual (or NW Mutual too), it may not be advisable to use them for your intended purpose.

I feel like this should be my agent’s and attorney’s fault frankly.

I'm looking forward to getting to know as many people as I can on Biggerpockets so feel free to reach out. 

Feel free to send us what you have.

I lost about $25,000 through them, will never work with them again Since I'm already in defense mode on another thread, might as well revive this one...No matter how hard you try to pre-qualify and dodge the bullet like Keanu in Matrix.Eventually you get struck.For further entertainment, feel free to CLICK HERE 

If you have any other questions feel free to reach out, I would love to help! 

If you need more info feel free to reach out I can explain in detail based on your actual scenario.  

However, I would suggest you run 3-5 properties through each model you're considering to get a feel for the pros/cons of each.

Feel like I’m missing out on stuff not putting myself out there; & don’t want to anymore.

Our property was in Michigan and had sub-freezing and occasionally sub-zero temperatures, so 60 degrees is a nice spring day.FWIW, wind chill is how cold it feels to a human.