Make it a win for both of you.

I'm not saying it's a winning argument, but with an endorsement the problem should be covered under the title policy. 

I'd say I have a 50/50 chance of sub-metering (which would be the ultimate win), but if not I'm feeling confident I can still make a huge dent in the bill with low-flow toilets and a comprehensive plumbing inspection. 

As cool as it is to hear about the big players landing the multi-million dollar deals, it's not always relatable! 

Cash flow won’t be as high but you’ll continue to win with appreciation overtime.

At the end of the day, they're bidding to win your business, they will lay it all out for you.  

It looks like the bank started the foreclosure process for the HELOC, but was - assumedly - stopped by the CARES act, whereas the second position lien, the business loan, was allowed to proceed since it wasn't a home loan.The goal would be to win the auction (it's in an upset period, but no one has bid on it yet, concerningly) and then pay off the HELOC with hard money, and then refinance.

Nobody wants to fiddle with a DVD player or flip stations.

These are difficult to win in most cases but if you can find errors in the appraisal, and comps that weren't used but should have, then you have a chance.

Now I had everything I needed to make a win win situation for everyone.