It will be easy for you to check if they paid on time, as you can check instantly online.  

I have searched and filled out endless online forms only to have lenders offer me unsecured loans or other products, but not a heloc.  

I've found conflicting information online.

Thanks so much for posting all this info I had been looking at Apke Land or Land Investing Online, while they give lots of free information if you really want in depth or access to their letters you have to buy their course.

Focus on identifying promising neighborhoods in the north or east bay by leveraging your husband’s contractor network, local real estate agents, and online deal-finding platforms.

You can also check their reviews online at Google, Facebook, or Yelp.

His work products and many others can be found with simple google searches for free online.

I suggest finding an online bank that gives high interest rates.

Once you master it, its an awesome tool.Like the other members say, you can easily find it online, however, i strongly recommend you watch the videos (that come with the calculator when you buy it for a lil over $100) so you can learn how to use it properly.

I found it researching online after many months.