@Adam Bartomeo thank you for offering your help! 

---Investors always compare/hire people of Craigslist that are uninsured, questionable skills, are unreliable and offer no warranties.

I just talked to two banks and they both said that they don't offer them for investment properties.

Our laws require us to offer a rental first come first served (first completed application that qualifies must be offered the unit).

According to Realtor.com, EMD is typically between 1% and 2% of the total home price and is money you pay as a show of good faith when you make an offer on a house.But, it’s not an added expense.

Variable income is SUPER hard since covid and no real way around that beyond showing an offer letter that states you get a minimum guaranteed hours, and you may need a payroll log to prove you never went below that number. 

LLC offers better legal protection.3) Setting up in states that allow your identity to be hid is also overblown.

We also used PenFed, and they offer a fast HELOC…not sure how long they are now, but the process was smooth.  

@Brian Chadwick A cash out refinance might offer more favorable interest rates than your HELOC provides.

Taxpayers within these zones are automatically granted this relief without needing to apply, offering some respite as they focus on rebuilding their lives.