At the moment I think my best target is property that needs work and force the equity into my bank account. 

They don't require any reserves to be held in their accounts.

Account Closed: Can you see where the tax bill is sent? 

There are online schools you study on your own.

I think some of the responses here are not taking into account the 3 day attorney review mandated by the state of New Jersey, where the property is located. 

I am only 19 years of age and still in school planning on majoring in accounting and finance. 

I thought It was always better to put 20% down, even if I keep very little in my bank account after that, because I was trying to avoid the PMI.

I just got escrow account of 91.19( dont have exact tax and ins mount). $331 is the total monthly mortgage pmt including escrow.

I'm not a tax advisor (see your own personal tax advisor/CPA), but don't forget to take into account the new tax law is not supposed to allow for deductions for HELOC's any more save for a few circumstances.

They can't discuss their clients accounts so it will take you weeks trying to get over that hurdle even with a signed form from the seller allowing you to discuss it.