Perhaps someone with more intimate knowledge of the area can validate or dispel the type of neighborhood this is but it’s normally not good if that’s one of the first things to populate on the internet.

I have around 700 credit score.

My advice: focus on building a strong financial foundation first save consistently, manage your credit, and educate yourself on real estate fundamentals.

You resort to the internet.

Jonathan,Unlike credit cards with "Intro Rates", HELOCs are a standard banking product. 

Lowes rewards actually gives us more than a $50 tool rental credit and a flood of emails trying to hype their programs. 

And to @Jay Hinrichs's point, I see no safeguards for gators when teaching about gap funding, EMD funding, or any other tactic that they try and sell which tells you to get 0% interest credit cards and build business credit to be used to lend out.

They will pay $50 to get something off the internet because they do not want to pay pet rent.Ask them for proof of an ESA. 

My credit is like 730

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