Ever since I started investing I have been putting 100% of every penny of cashflow into reserves.I work full-time and live off my W2 salary and I don't touch my investments.I'm at the point where I would like to start re-investing my cashflow into either more properties or paying down debt. 

I'm considering legal action myself once I get a spare moment, this is absolutely ridiculous.

We just cleared our school loan debt and are working towards the ultimate goal of Financial Independence.

I wish I'd bought 10 properties back in 2012, but I was still terrified of debt. 

*No agency, no legal advice

Now that I understand the importance of leveraging debt and want to refinance the house (heloc?)

The current Owner probably has no legal status to make a verbal promise to the tenants without your knowledge of it beforehand. 

@William Washington do not even present a particular deal to your potential investors until after you consult legal counsel as to the proper business structure & exemption that fits your needs.

Charles Haverty how much student debt do you have?

Also stay away from Cuyahoga and Cook counties, as the magistrates there highly favor borrowers and can really drag out the foreclosure process and rack up the legal fees.