There is a payment technique in a HELOC that is available to you menu do not do.

I have over 25 years of futures trading experience and learned over the years that paper trading is a valuable technique.

Please let me know, as I'd like to know how to further expand and develop my techniques. 

Specifically using the BRRR technique. 

Relax ,Let them be slobs and marinate in their own filth as long as they are paying you .

Years later I stand with them and admire their investing technique and I am modifying it so that it works well for my situation.How do I define a 'Mom and Pop Investor'?

Im itching to start cold calling and I just want to know where are investors getting their cold calling leads from or what other techniques are you using.

As @Russell Brazil says, the rules for commercial transactions are much more relaxed than for residential transactions. 

Thing#2 - Use your owner occupant status to its full benefit (Low down payment-Lower interest rate, etc) and buy your next rental property now as an owner occupied home and live in it for a year or two while saving for rental property number three - Buy rental number three as an owner occupant and live in it for a year or two while saving for rental number four .... and so on.You see that your wife will need to be onboard for this to work out - You will be buying a home that is possibly not quite what she may have in mind for your "forever" home and there will be occasional moves as you acquire new investment properties - Eventually, you will not be able to continue this technique and you will get to buy that "forever" home.  

I'm going to focus on that until I can build some capital and gain some experience (and hopefully partnerships) to advance to some more intermediate/advanced techniques like BRRR's, flips, and ultimately multi-family buy-n-holds to generate passive income.