Thanks @Kerry Baird, I was talking with ridge lending and they have recently stopped the all in o e heloc product.  

And I suspect their E and O will kick in if this money is lost  just sayin..

I did a quick check in SLC and while I couldn't find a duplex at that price point and what I did find was pretty far out from downtown, but would something like this: https://www.realtor.com/realestateandhomes-detail/141-E-Nort... be of general interest?

They have not responded again (other than sending the e-sign doc) since this morning.

Would be happy to connect via text, phone, or email to answer your questions.

I have had 3 people email me this weekend who are over leveraged and also cash strapped in that they have repairs of $5k or more, o cash to repair and without repairing cannot release unit.

All of them boilerplate emails.

I read "guarantees" - for me that is the biggest scam ever and right then and there either hang up the phone or delete and block the email. anytime anyone guarantees anything run and run fast.  

I was trying to appeal to the next generation with more app-based management rather than phone calls and emails.  

Be prepared to follow up multiple times, using different forms of communication—calls, emails, and if possible, in-person visits to their office.