I am bundling this with another refi on a property I have held since 2015, but I believe the portion of the loan I am allocating to this property is $93k

I do believe you need to take some action here.. at the least the money should have gone to a title company escrow account..shoot... 

So I believe I would pitch it where the 1st unit would be my responsibility.

The thought of leveraging my house has arisen but I don't believe I have the equity.  

There was already a push to get them banned around Baylor campus that resulted in just some more regulations I believe.

I'm trying to rent my 2nd floor in my owner/occupy, but I'm running into some resistance on my heat utilities as I have oil heat/hot water.Currently I am including water/sewage but tenant would pay electric/heat/hot water. 

It's just ugly all over.It's kind of a joke how many people actually believe that wholesaling is free money.

But I believe this is easier said that done. 

@Ian Whiteman I believe that for mortgages you have a 30 day window where you can have various inquiries that will only count as one on your credit, because the credit bureaus know you need to shop around. 

The only areas of potential development if you believe in conventional thinking are the CC side of the Leland boom (greater Wilmington) and Tabor City (greater Myrtle Beach).