The reason those locks charge monthly is because there's an ongoing upkeep cost to maintain the software and communications network that are essential to being able to program the lock remotely.  

A friend of mine suggested a program that could use the full equity of my primary (now over 2 million) to get what sounds like ANOTHER HELOC on my primary instead of refinancing then paying off the first HELOC .  

Had a pretty good experience in their "Challenge" ($7K) program that deals only with single-family investing.However, later that year, we upgraded (in theory, and in dues) to their "Preferred" (or "PIG") membership, so that we could invest (passively) in multifamily deals. 

You'll see several BP members that are part of the program. 

The 2nd one had one felony, and was going through a diversion program.

Does anybody know any courses/programs that they recommend for learning how to find off-market properties?

You can do first-time home buyer programs that will reduce the amount of money down, or you can take some money out of that property your dad left you to make the numbers for an investment work for you.

Now I am looking to use loan programs for financing this.

Working without license she will lose her real estate license and be sanctioned.file the complaint, it takes time for them to do something and they are 3 hours aheadhttps://com.ohio.gov/divisions-and-programs/real-estate-and-...

And there is a loyalty program after three paid off deals in good standards where rates/fees drop nicely to beat the 10-20% down programs.