We see this in ACH payment providers too, as is well documented on BP...

I get ACH deposit in about 3 days.

Older buildings have lots of skeletons and aches underneath, not visible on the outside.

Some other ways are: joint ventures; private loans; hard money lenders; or seller financing.But my advice is: if you have cash (as you have indicated), USE IT! 

Now she wants to move out of parent home.Boy Friend's credit report has 2 collections (2/2020 and 12/2020) reported by 2 apartments as joint account. 

If you have a buyer and you want to joint venture with that wholesaler who is direct with the seller, then you guys can do an assignment of contract from the wholesaler to you, then from you to your end buyer and there is only 1 closing your end buyer will pay closing costs on. 

Things I'm looking for: ability to accept ACH directly and circumvent Apartments.com or other 3rd party website; no fees; interest.

The seasoning requirement does not apply for the following cash-out refinance transactions: Loan proceeds to buy out the equity of a co-owner for an owner-occupied primary residence special purpose cash-out refinance transaction: When property has been jointly owned for 12 months prior to initial loan application; unless parties have inherited or was legally awarded the mortgage premises.

Hey @Taylor Brown, I am not an attorney, but what I did in a similar situation is forming a "Joint Venture Agreement".The JV typically formed of different sections like:RecitalsPrior AgreementFormationPurposeContributionLiability of the PartnersRepresentations and warranties of the partiesNature of PerformanceChecking/investment accountsDistributionAgain, I am not an attorney, but a good Real Estate Attorney can help drafting this JV between you, and your mother in law.Best of luck, and feel free to reach out any time you need help!

LOL.. of course we were not that great at it.But then I got the idea ( and we turned what I thought was a white elephant into a nice project) I had just bought my Hanger at Aurora state airport  and it was a condo.. so I thought hey all those folks in the floating homes.. they will never have storage.. so I put a condo plat on our storage took about a year and maybe 50k it was actually easier than I thought it would be. .. created 44 storage condo's.. now we have all seen the big storage condo's were folks with 2 million dollar motor homes store their stuff or small business shops.. but this was somewhat unique I thought to have 200 sq ft storage condo's well they were quite popular and we sold them all on long term contracts.. so now we shifted the burden of running the joint to the owners created an HOA let them self manage etc.. then we turned the top 7k sq ft into heated storage.. and sold that off ...