If I have several options, I would prefer a HELOC with no initial draw requirements (i.e. to establish a literal line of credit that I have no specific short term plans to use), i.e. not something like the better.com HELOC. 

Great idea, but check your local regulations.

Establishing a good local team will be crucial for you. 

TD and Congress needs to come up with more relaxed tax regulations to make investing in real estate lucrative again.

One of the other factors that kept me from pulling the trigger is that the city has never passed any real STR regulation.

What you ask and expect of them (beyond the basics) and what expectations can I further establish? 

I'm looking to buy a house in the St Pete market & have read zoning regulations, articles about STR (anything less than 30 days) and have discussed with my realtor.  

These programs offer options for less money down and in some cases DPA - Down payment assistance.As a banker for over 18+ years I am very skeptical when I hear a new name in the business only because its become tougher to lend with all of the new laws and credit/insurance requirements and regulations.  

A Property Manager can also assist with understanding local regulations and the practical aspects of property management, ensuring you make a well-informed decision.Feel free to share more about your specific needs.

With commercial office space starting to return, I am interested in establishing a syndication group that would be willing to invest capital into commercial office buildings.