What are your thoughts on paying for mentorship?

Appraisals are subjective and don't necessarily reflect what a similar property could be purchased for if you're looking hard enough or if you have the ability to pay all cash and depends on how motivated the seller is and also the venue you are purchasing from or way you are obtaining title

(Not all pay all cash)Cash buyers wants to be found.  

I am aware that if the property gets sold at higher amount than the upset price, the surplus amount is used to pay off any junior liens and the left over goes to the owner.Will the surplus amount be used to pay off property tax liens and HOA liens? 

Some of the adjustable products, the payment stays the same, but the principal to interest allocation changes to the point where people are only paying interest and are now in a negative amortization where the amount they owe is actually going up.

It would still appreciate overtime and build equity all while someone else is paying the mortgage.

Give it a solid 2 weeks before you sign up for anything or pay anyone any money. 

It's free, no pay wall etc.

Typically, tenants will pay all utilities on long term rentals, so that comes off your plate.

No one pays rent.