The owner died long before the notice of pendency was filed and I cannot find any probate records to determine heirs.

But as Ryan states you cant charge points its got to be a flat funding fee and as a lender/ capital provider you MUST bring in about 5k per file to stay in bizz.. 

@Christopher AdeI read through some of your past posts.You mention a couple of items such as 'house-hacking', 'refinance' and 'philadelphia'.House-hacking has unique tax obligations since it is partially an investment property / partially personal residencerefinance - is a great way to get cash out and pay no taxesPhiladelphia - This jurisdiction has its own filing obligation - Net Profits Tax / Business Receipts Tax.

There are also services that will keep your collateral files secure for a fee, so that may also be a good option. 

If it's around tax filing season or holidays it can become an afterthought as pre-occupied the passive investors to invest.

@Andrew P.  1) as  2022 is almost  here -  consider  completing and filing the 2021 tax returns asap  and  consider having the  schedule E  for the  rental income  show as much of a   positive  net  income as possible  ...this   might  increase your tax  exposure for the year but if the  result  is  that you will be able to line up a  HELOC on your primary  property , it could be worth it 2) a  traditional  cash out  refinance  will  have the same  issue   of using the tax returns  for the  qualifying ratios  - the LTV  ( loan to  value ) for a OO triplex  isnt  very high 3) recent FED  announcement  - 3  seperate  .25%  increases   expected for  fed rate  in  2022  - this means  HELOC / prime rate will increase  by the same  amount when  these increases occur 

If you can't find what you're looking for, try the BiggerPockets' FilePlace: https://www.biggerpockets.com/files It contains hundreds of files such as ebooks, checklists, and spreadsheets for real estate investors.

As for the LLC, its a quick process to open one up and inexpensive, you can even file once the first property is under contract and still get the docs back before closing. 

Hey Nick,  Most lenders have programs that allow you to provide an active lease and two months of canceled rent checks (or proof of auto deposit in your bank account), even if your property is new and has yet to be filed in your taxes.

If you can't find what you're looking for, try the BiggerPockets' FilePlace: https://www.biggerpockets.com/files It contains hundreds of files such as ebooks, checklists, and spreadsheets for real estate investors.