. - Minimum work history: 1 year (please provide references and pay stubs for the past 3 months; if self-employed we can discuss alternatives to paystubs)

He also used to be a wholesaler so when i find deals he will lock them up for me and send the contract hes been using for years to his attorney, and then he'll still pay me out for my work.

Going to guess the $797 is rent only, with tenant paying utilities.

What is she doing now in terms of paying for housing? 

Mainly the panel is in the basement and it would require a ton of work and paying for labor hours + repairs. 

Conversation in local Bar, say I would pay all CASH How did you finance this deal?

Get them to give you an idea of what they are paying for party /event space now in Amarillo and if they would sell your venue for you.

If I have several options, I would prefer a HELOC with no initial draw requirements (i.e. to establish a literal line of credit that I have no specific short term plans to use), i.e. not something like the better.com HELOC. 

You pay 10% penalty plus taxes (lets say state and federal of 25%) - so you are paying $70k in taxes so your $200k is now $130k.

I obviously want to pay the lowest taxes over time.