His criminal record shouldn't play a role if he was released from prison five years ago and has held a steady job, has good landlord references, etc.Disorderly conduct looks pretty minor, and I don't see how it poses a risk to you.

Typically HELOC lenders don't escrow since they're often set up to be in 2nd and rely on the first to check tax/ins more regularly.

As you get started in your RE journey ill give you a recommendation.This website is a great reference point for figuring out what each area is like. https://www.areavibes.com/It gives you a total LIVABILITY score for each street and zip code.

Sam, the requirement to wait before refinancing—often referred to as a "seasoning period"—is a standard practice by many lenders, even if you're only doing a rate and term refinance. 

Money left in the account that isn't needed to regular bills and expenses, remains in the HELOC and compounds the savings benefits.

They have referred me 2 different doctors over the past 3 years.

Practice regularly so your muscles are strong and fast.

You are able to do so as a regular private citizen.

Check on the property regularly to make sure it's not sitting vacant with a wide open door. 

Regular smoke detector does not pick up the smoke.