You can also find them for free at many libraries and also many libraries give you the ability to borrow audiobooks that you can listen to on your phone .

Any concerns on your part as the buyer / borrower that might cause problems closing?

@Yoni RamrasThe refinance entails a ton of paperwork and verifications that could include income, cash reserves and credit.The process can take 30 days or longer depending on conditions and how fast the borrower gets their paperwork to the lender and if any conditions create new conditionsNot really the permitted plans, but to make sure the work was done in a workmanlike manner and that permits were pulled for work completed.An appraiser for the bank.  

As a borrower, thats an insanely sweet deal in my opinion if you are correct about the loan structure, because you are pretty much hedged everywhere - i.e. you'll only face minimal interest rate risk, and even then you can refi- out if the rates too high. 

This could make your future borrowing on the HELOC much more expensive.  

Because borrowers pay for appraisals, not lenders, it's not skin off of Chase's back to get a bunch of people excited about refinancing to drop mortgage insurance. - Some folks, randomly, it'll turn out that the appraisal comes in high enough to drop mortgage insurance.

Typically commercial lenders require personal guarantees or for you to act as co-borrowers along with the LLC.  

And are there any mortgage bankers or brokers that have an excel underwriting model they use when underwriting the eligibility of a borrower for a potential acquisition?

I buy  hold for some period of time rehab and resell.these wholesaling threads are aimed at those who wish to work like a realtor and get compensated what amounts to a commission without being licensed.. and as we know sometimes wholesalers make what can be determined an unconscionable profit at the expense of a non educated or minority seller.. the same way Sub prime ruined real estate and the uneducated and Minority borrower were the lynch pin to much of it .As a broker you simply have to disclose your an agent buying as a principal..

An investor giving a borrower (in pre-foreclosure) advice and strategies to sell his/her house .... and then splitting the profits with them (making a contract between investor and seller)?