Hello everyone,     I wanted to explain my situation here on the forum to see what advice I could get on options of where to park my extra cash.

You need to explain what an "option fee" is in your question.If someone purchased an option from you, then the money is yours.If someone has deposited a fee to secure an option, such as a right to purchase dependent on a satisfaction of inspection or engineering report, then the money is not yours.If the money is not yours you might want it held in a title company's escrow account (or an attorney's) with a written escrow agreement describing what the deal is.If you hold the money, and it is not yours, state and federal law might consider you a "fiduciary."

They explained everything to me regarding quit claim and quite title action, but I'm still trying to get a good understanding of the processes yet.  

Are there HM/Private Lenders who will accept a title with liens (which can be explained)?  

 - I can't help much in terms of your flipping questions but I will try to help explain some of your buy & hold questions.The reason that your Annualized Total Return % keeps dropping over time is that you are calculating a large increase in equity due to the ARV ($23K).  

Doesn't surpise me, I just closed on a Wells HELOC and it took 60 days and a TON of ridiculous stips(and we have low DTI, good credit and free and clear properties)  My loan officer who usually does our mortgages explained Wells does not do HELOC's in house so that explains the slow underwriting process. 

Can somebody explain this to me?

The only logical explaination I can think of is that wholesaling that contract is a prohibited transaction in the terms of the contract.  

Can you explain your example?

If you try to explain supply and demand to a California politician they'll look at you like a deer in headlights.