You pay absolutely NO points; the seller pays them all.

My main focus is really to reduce the number of closings (due to fees) and to pay the family member back for helping cover some previous work.

You’re probably cash flow negative on your current property and then have to pay rent in the new city.

If your main driver is saving money please pay the professionals.

Currently occupied by a section 8 tenant on a year to year lease. currently paying $1805Cash flow = $800- I left out some CapEx expenses in the report, as this is a newly renovated home, but will account for everything once I dive deeper into this potential investment.

Why would I refinance and pay around $15k in costs just so that I can get a HELOC with them.

So if I liquidate money from my business credit cards and open a forex brokerage account and pay for a trading bot, is the money i use to pay back the credit cards and trading bot taxable?

Bringing in 6 drunk friends in the middle of the night, especially in a house of women, is a recipe for a disaster.As for the cat, she shouldn't have left the door open, but unless it resulted in something happening to your cat (eg getting in a cat fight resulting in a visit to the vet), you can't make her pay you anything for that. 

I have been paying each month what they told me I owed when I called in or spoke with them dropping of partial payments  sometimes and he said that was fine but on the 5 day pay or quit he included all the late charges due for 10 months?

This is after rent appreciation, as well as selling 5 doors and taking some great profits from market appreciation and paying off other properties to lower our debt - which significantly boosted our cash flow.