I am looking into option what can i do at this point selling I dont think anyone would pay me this much since the value of the houses are slighly going down in NJ. what would be my options at this point? 

Definitely let me know if there is anything of value I can ever do for ya!

My lender just informed me that my seller concessions exceed the relevant closing costs (including points buydown) and that the money left over will be a “wash”.

Don't contact me unless you have a picture of you with an LSU hat on.2. 

If you are looking at protecting your profit, you can have a prepayment penalty, that would be graduated, for instance, you could have a $50,000 prepay year 1, then $45,000 year 2 and so on until you get to year 10 with no pre payment penalty.Also for future reference you can get Fix and Flip loans without having to tap into the equity in your primary residence.

Its great to have access to the cards/cash but to me that is only if doing a flip or BRRR. 

My VA cold called the owner and provided me with the information.

The main issue with BRRRR is tight inventory.

He didn't want to sell to just anyone, so he came by to meet me and hear my story.

Their processes and systems are just not reliable enough for me to trust them.