Net zero is trying to completely eliminate energy payments or energy input.

I refinanced out and got a 15 year instead of a 30 year with essentially the same mortgage payment.

Some will finance before the 6 months, but the HML your using may have a pre payment penalty if you do.

Typically, this is an obvious no-go, but since I'd be living in the SFH, I'm looking at it as if that is my mortgage/rent payment until I can refinance.  

FMR 700/monthTaxes: $3515/yrAsking Price from seller is $127,900 My offer:Purchase price of $85k with $10,000 down of OPM.Loan amount from seller: $75k at 8% APR, 5 year balloon interest only payments of $500/month.  

I will use the reduction in the down payment to take care of the immediate sewer issue. 

I would like to purchase more rentals but do not have the down payment.

From what I've read, you buy the liens at auction and you don't bid up the price of the lean, rather you bid down the interest you're willing to receive on the delinquent payments.

We are able to get double digit returns with very a passive investment.  

If your in a big hurry , see if you can qualify for a FHA loan now and have a family member gift you the 3.5% down payment.