This is to protect you from day 1 not being deeply under water.Seller financing is better if you won';t qualify for a bank mortgage, some times the seller will ask for less down than a bank.Bank financing is always cheaper, lower interest rate, price is always verified by an appraiser, but you need to go through the frustrating closing process of under writing all your doc.

Sometimes it is deliberate choice, sometimes it is simply bank/servicer inefficiency.

2 - Do IRS liens on property simply mean Property Taxes?

I need someone that can turn a couple rough drafts into contracts, write up some offers, lease options, etc, and also to simply answer a question about whether something is possible or legal.I'm really turned off by lawyers that want $200 just to answer a couple questions about what they could do for me. 

@Loretta Chang The one that I am currently using is, simply put, amazing.

Simply refuse to be offended.2.

If I didn't want him in the unit I would simply give the appropriate notice to terminate and move on.

It is simply not worth the trouble.

I have and upstairs and downstairs heatpump so I have  T stat for each one.I read a lot of reviews and customer feedback before deciding to buy this make/model.

Then there are a couple of huge companies that I (and several other BP members - I know I've seen @Hattie Dizmond talk about this a lot) consider simply fraudulent - they're always flacking inflated ARVs and underestimated reno costs.