And I leave you with a big dream of mine.

This reserve seems somewhat tight to keep this moving smoothly and stay off credit cards while waiting to the cash out. 

Don't look for the agents pushing their card into everyone's hands, look for investors who also work as agents.

It’s a variable rate but the nice thing about using a Heloc is you can use it multiple times as it functions like revolving credit, ie similar to a credit card.

But also, never give up on your dream.

It literally takes less than 10 minutes to set up free online rent payment at one of the several who offer it for nothing, and another 10 minutes to set up accounts such as Square or Stripe to collect via credit cards and other electronic payments. 

Starts off free, no credit card required and not a trial period.

Get as close to the truth as legal in your state and clarify that you're not a huge capital group coming to town to slum lord the entire city, you're a hard-working guy trying to break out of the 9 to 5 (if that's legal to disclose) and being able to turn a modest income on a rental would be a vital step toward that dream of financial freedom. 

Buy/holds is still the dream.

It's expensive, but this might be the time to tap those "get cash fast" offers from your credit cards.