@Xavier Mike I bet that the 2 hrs labor those attorneys want to review that document is the only place you are going to get an answer that has any meaning. 

I bet they just leave it.

@James Baker - Your best bet might be to look at templates that the yellow letter companies offer.  

We still figuring things out because having a property free and clear feels so much better than having mortgages I bet but I think we have to look at This as a business that has to be grown. idk I'm still a newbie but thats how what I see now.Also we're renting for $1,100 a month. what can be the exit strategy for this with our banks issues at the moment  ?

Considering you're working part time your best bet is to pick up something else part time to supplement your income. 

It's a safe and smart bet to get rid of your student debt. 6.5% beats the S&P 500 average and so it certainly wouldn't be foolish to pay that off.

with commish and holding cost 170k becomes less than 100k.its OK nothing to right home about and I bet hard to wholesale to a builder.Buddy Holmes  if your not in the ARB ( New St. is)  permits 45 Days total cost 5k  plus cost of architect plans.. its builder dream there..

There is not a ton of stuff but some furniture, basement filled with odds and ends.We want to get it on the market soon and I am looking for a reliable company who could come and give a quote to remove the stuff.Any referrals would be greatly appreciated.Thanks!

Lou Ruggieri Odds are that it will be a full-recourse loan.

After doing a little more research it seems that portfolio lenders are my best bet for my situation at this point.I am new to all this, can anyone tell me how I can find portfolio lenders in my area and how can I distinguish between a regular lender and portfolio?