Quote from @Keenan Branch: Hi folks,I’ve currently got 150k equity at my primary residence.

One branch of our biz also does mortgage as well for owner occ and inv properties.

And quite honestly, if I looked at chain of Title and liens and saw a transfer with a refi to a LLC, I think I'd know who owns the property... 

I would like to avoid a big chain like Wells Fargo and use something like a credit union.

What does your automated message chain look like?

Bill, the house has a 3' hole in the roof from a fallen branch and I got a bid of $600 to repair it" Done, enough information in most cases.

Talk to any of the agents on this chain like @John Warren or @Eudith Vacio.My CPA is amazing I can send you in contact.

SubTo is about chaining the way you live and creating a future for yourself, your family and the people you build this lifestyle with along the way.

Maybe he can advise more than I can:Matthew Vanhorn Branch Manager Mid South Best Rentals 901-274-5237 (P) 901-231-4992 (F)

I used to work for the chain, and we promoted the card with other perks such as discounted delivery fees ($79 dropped to $20 for flatbed and truck drop offs), and perks with the Lowe's volume pricing tools for contractors and pros (where bulk purchases would be run through a pricing tool - sometimes with much more significant discounts than the 5%).