I prefer 3 x because its sufficient and in my experience that means they aren't as likely to leave due to the buying that house so less turnover. 

Since we don't have many assets we figured using a free online resource to create this would be sufficient at first.

Retirement “within the next few years” or “in the near future” is not sufficient.

The small details of finish choices, landscaping & staging really tied everything together to bring a home on the market that really stood out.

- As a buyer, are you able to stipulate that you will use a closing attorney of your choice? 

REFI'ing into a new loan is your only choice that I can think of. 

You need to provide an invoice in the event of an audit.An ATM withdrawal receipt will not be sufficient evidence.Furthermore, there may be penalties for failing to provide a 1099 or working with contractors who continue to fail to provide you with a completed W-9 Form.

It's a personal choice.

I figure these are my two choices:1. pay off my own mortgage and increase my current heloc to make my first REI2.

My intention is to educate them regarding making sound and realistic life choices and financial decisions.