A Heloc is an open end mortgage same as a credit card the only benefit is that you only pay on the amount you borrow.

If you do decide to do mailer(s), then I would advise you to personalize the card and do a handwritten note. 

CA is an expensive market and regarding tenant laws in my eyes more complicated/difficult as a rookie landlord.

Send me a private message with your mailing address and I will send you my book, Real Estate Rookie.

It's likely a scam anytime they sound like AI or the grammar is weird or they use the word "kindly", if they ask for you to respond to them off-platform, if they say their employer will pay for it, if they ask if the dates they've specified are still open (when they can clearly see they are open on your calendar), if they ask for a video of your property (they probably want to set up a duplicate listing with your photos and video and scam others out of money), or if they want a long term booking and they have just joined the platform and have no reviews (could have been evicted from somewhere else, and hope a newbie will let them in with no background check, they'll end up not paying or credit card is bad).  

I have them process credit card payments.

I would love to talk more about having you on as a guest on the Rookie Podcast to go into how exactly you were able to handle this upset in your real estate journey.  

Some will be ok in 2nd position and some will not and force you to refinance out the first - but those are options that are probably cheaper than credit cards 

The best advice I can give you for studying for you license is to voice record yourself reading questions and answers on notes cards.

There is a processing fee if you choose the credit card option, but a direct ACH has no additional charges.