To be honest, it never occured to me to check on utilities when a tenant moves out.Check that your locality is allowed to add liens to your property, if you had not been in possession of it when those charges occured.In Georgia utilities are not allowed to do it, but yhe water company does it routinely and will lie straight into your face until you produce the law.

The property manager asked him to discount October's invoice by the business days covering the shutdown period.

Guys, thanks so much for setting me straight on this.

He told me straight out that every five years it will be adjusted to whatever the current rate will be, I believe this is pretty standard for Commercial financing.

Higher the score the bigger the discount Google gives you on the click.For example: the difference between a 5 and a 7 is a 20% discount.Hope this helps and good luck

To me that sounds motivated, BUT is it motivated enough to let me have the property at a good enough discount to make it a deal?

In your case there is no way around it which is why I suggested the lease-option, but this is a straight option, no guru option stuff!

I think my issues are fairly straight-forward that any lawyer could handle, but I need someone with customer service skills.Thanks for any recommendations.Amy

Regardless of whether you decide to refi or not, you should get the house titled into you or your trust's name - otherwise you are leaving a probate nightmare behind for your heirs should something happen to you.In addition, this home is now a rental and affords you some tax benefits - I'm not certain if the same benefits are available to an executor that are available to an owner, but I would venture to say your tax strategy would be better served having the home in your name.Talk to some local lenders and find out what the terms, conditions, pros and cons are to a straight cash out refi vs. a Heloc based on your situation (credit, income, appraised value of home, etc.), and then you can make a more informed decision from there based on your own personal goals.

Now I could see what @Thomas Quinn is doing could get called out.As absurd as it is that IS collecting an application fee and that is straight up illegal in this state...