Aside from this one concern (which may be nothing to be concerned about) I think she is a great realtor. 

My main concern is has anyone in the area changed their average rehab costs due to inflation of rehab materials?  

I am considering two options here: 1) Pay off the loans in full now. 2) Allow my money to continue earning interest in my high yield savings account until the moratorium ends, then pay them off in full.I have the following concern about waiting to pay: I expect my credit score will take a hit after I pay off the loans.

I'd rather pay more for a PM I can trust to place good tenants, take care of the day to day operations, and keep me abreast of everything pertaining to the property.

Two of the common areas of concern for HELOCs I see out there is the 10 year maturity date and the adjustable rate.

In other words, if the work was already done, should I be concerned? 

I’m only concerned about liability.

@Chris Howie I am more concerned about a HML lending on ARV and not LTV. 

We found what looks to be a steal - a 2 bedroom new construction super low taxes in perfect location (we otherwise wouldn t be able to afford this location) right in center city philadelphia, only concern is that both bedrooms are below grade in basement but it's in great condition since it's new.

I recognize his concern , but like I said - this was a first.Anyone ever have this request before?