The stigma will attach and some will disregard it due to that fact alone while others will be attracted due to the notoriety. 

Attach the purchase contract.

pictures attached below. 

The junk will always come with stories attached to it.

We live in the panhandle of Florida.

Beach area, second property in West Virginia Eastern Panhandle.)I feel like I want to put my home equity to work via a HELOC.

It is a full basement stacked tri-plex is a design with 5 bedrooms on each level plus a Mother-in-law style suite on two levels next to the attached garage and with a 2 bed/2bath ADU over a detached garage. (21 rooms, 25 bathrooms). 

Is there a prepayment penalty attached to the note?

If you have any skill with Excel, you won't have to pay for the version they sell...you can just modify it (see attached images).

Because we want our investment properties to basically pay for themselves (after the initial purchase & cash outlay to furnish it & get it ready to rent) we knew that buying a property in one of those locations was not going to work for us.That is why we ended up in the Panhandle.