This also includes a few credit cards that are used for business expenses.

This can be a city or neighborhood.We manage a lot of Class C properties in the City of Detroit, so previous evictions are common.We typically do NOT allow within the last 3 years and we want to see stable employment, income and no other major credit issues since.For Class B rental we're looking for no evictions in last 5 years.Class A, would be at least 7 years.Of course, there are exceptions to all of the above for extenuating circumstances the applicant is willing to provide acceptable documentation for.

sometimes to reduce borrowing costs, I'll use a hard money loan solely for the purchase, and then pay for the rehab in cash or use a 0% credit card (I don't recommend that for new investors!)

Next year i'll hit top pay and should start bringing in 1.2-1.3k a week. and the year after that i plan to move to linehaul and make about 2k a week.I do have a lot of debt, or at least it feels like it to me. the breakdown being;23k in college debt i got getting a bachelors that i never used across 5 loans ranging from 3 to 5% interest rate5k in bank loan debt i got getting my trucker cdl a at 12% interest rate.2.5k in credit card debt from not having an emergency fund and then having emergencies.

Depeding on the amount get a credit card that has no interest for 12-18 months. 

If i can invest it and make a significant better return after tax than paying it down I would do that but in this instance you will never be able to achieve returns that match credit card debt.

Check with a few local credit unions as they usually have the best HELOC offerings.

Here's my question: What is a fair way for them to be compensated?

There are a lot of good resources throughout this thread an additional one I would recommend looking at are the Fair Market Rents on the HUD website.

Second, try to ask for "LINES OF CREDIT" instead of HELOCs.