I would probably charge $75 for the MIL utilities since the main home is using the majority.

According to www.nerdwallet.com Chase bank has it to where on their HELOC there are no closing or application fees and charges a $50 origination fee and $50 annual fee.

Most companies will charge you for an appraisal when you make the request and then remove the PMI if you make it. 

I think they just emotionally and mentally want the home gone.Can anyone think of a owner finance deal that would remove the wait from their shoulders, but keep me afloat for 12 months until I can get a higher rent and refinance the property?

No emotional attachment, try and time your outs.Good Luck!

If he only charged you $1000 for the exterior pain and trim, that seem extremely low unless its a tiny townhome.

You have to see if their current income supports the rent you charge.

What percentage do they charge you monthly?

They told me they'll pay it and charge the tenant, but don't expect anything.The first question is, is there even a way to prove it was the tenants trash?

@Clay SellersTo keep costs down, you may want to open the self-directed IRA with a custodian that charges reasonable fees but is still reputable.