I've personally worked with a handful of "investor-friendly" lenders, primarily on DSCR loans in recent years, and each time I've run into significant delays, lack of transparency about the process, have been fed the requirements in a piecemeal fashion (every few days there's a new random request rather than having it all organized from the start), and have even run into lenders who were substantially misinformed about the real estate industry or the laws that govern it on both a local and federal level.I think there should be a better site to encourage accountability by tracking how long it actually takes each lender to close their loans on average, and what unexpected hurdles investors encounter when trying to work with them.I can't seem to find such a site.

I just have 2 questions:1) How can he eventually retain the "15% withheld" funds from the escrow account?

At least that way I can use some of the cash flow to save for a personal residence.Any advice/perspectives on how I should approach this?

This is probably not the way you're "supposed" to used QB but I didn't want to get two softwares - one for business and one for personal.  

I know @Randall Alan mentioned the time it takes for ACH to clear but those deposits that the software deposits into the account can be taken back if the fund end up not being there. 

Any suggestions for a good real estate lawyer in Alabama would be appreciated.This person has a very large legal judgement against him.  

I’ve seen where NC has partnered with municipalities to provide federal or state funding to bring public water/sewer to under severed areas.

Someone recently suggested that I used a person (unknown to me but referred) to use their credit to help be refinance.

The plan is to create an Excel sheet where I could plug the basics into a formula and it would give me a side-by-side view of how the investment looks with each fund option. 

With that amount of equity you'd likely qualify for a HELOC on your primary residence to access that equity to buy an investment property or to buy a new primary and rent out your current home - the latter is what I do personally and all of this is what I offer my clients professionally.