My thoughts:  The HELOC might be a good emergency fund, but basically it is a large credit card.  

The lender told me they got no score because I was paying my credit card balance to zero.

I really like the points benefit I get from those credit cards (i.e.

A simple explanation is DSCR is to finance the property based on the income or projected income of the property and a HELOC is like a credit card that will be given to you base of the equity of the house you are putting as collateral. 2 diffrent products consulting with a good mortgage broker that will provide you the information depending on your needs.

NICE GUY" and if necessary, you can and will take different routes. maybe offer $50 gift card for the inconvenience and keep things in good term but you should stay firm and sound more entitled. 

His family says he has money and they have his debit card and want to pay back two months… doesn’t sound legal.

We had a proposed driving range in my town and the State Department of Transportation was going to require them to have netting that was 80ft high due to proximity of a road.

With free bussing available, it's essential for people to access public transportation for work.

It's no different than a credit card in my mind.

ACH payments by their nature take a few days to know if it actually clears (you can know faster for credit card payments). 7-10 days I'm guessing is something like this:2-3 business days Tenant -> Zillow2-3 business days Zillow -> LandlordSo in summary, you'd almost surely know within a couple days if the tenant sends a bogus payment, even if you don't get it into your bank account until later.