This is the only argument floated by the pro-HELOC-as-mortgage folks that isn't flat out wrong. 

Some have higher flat fees.

I believe so, Jessica - this is where 3rd party processor based digital platforms fall flat.

.: Quote from @Brandon Brown: I am considering switching to a heat pump with an electric heat strip for supplemental heating in our two-flat building, with plans to add a third unit in the future.

I mean look at all the MF deals go sideways big time  by flushing those out on BP we find many were done because of keep up with the Jones offering highest return possible and to do that took on the most aggressive debt stances and proforma s of caps lower and rents rising and or refis in the offing.. now we see that in hindsight those structures are not working given that rates rose cap rates rose ( instead of fall( and rents are flat or falling)..

But when listing my rentals in DFW, I've been quoted flat rates by several R/E agents.

For example, an agent would collect a reduced commission, flat transaction fee, or no commission if the buyer sources an off-market deal directly.In your case, if you'd like to compensate your agent, you can include it in the loan.

My ceilings are always bright while flat paint so that is always easy.

Then what I would likely do is use self leveling concrete to make the surface level and flat.

In arbitrage, the owner gets a flat fee and the operator can take all of the additional revenue for themselves without taking on any of the liability.