Insurance and interest make it difficult for the traditional lenders to loan to us even though we can afford the payment, but to them since we deduct a lot of things on our taxes, we don't look to be cash flowing.

Not only will they provide you leads, but you'll also know how far along the leads are in the process of being deeded to a living family member.

You can leave your old home loan alone.  

"Standard" is a little overrated word in my mind, because the quality of the service these managers provide probably greatly differs.

I'll drop a link to schedule a call down below if you would like to discuss the HELOC situation further, as I am a licensed loan officer. https://calendly.com/tycoutts

I provide capital for real estate projectsHow did you add value to the deal?

They should be providing you an estimate with breakdown of the total fees to close the sale. 

(Note:  You are under no obligation to share your appraisal with the seller.)3) Get the seller to provide surveys of all properties and have an experienced attorney look them over. 

First question, did they provide you with pictures of mold for your records?   

Now I have added my largest monthly transactions (my mortgage and student loan amounts) to that minimum and my account reads "keep above $4,000".