That's the same site that my brother uses for his rentals, but I read somewhere that the emails that tenants get from that site can be mistaken for spam since they look outdated apparently.

Otherwise, you are just gambling that the bank will not call the loan if/when they discover you have left the property (which probably states it will be owner occupied in your loan, if it's a primary) and are no longer making payments. 

DTI and Credit scores are excellent and the property has been owned for more than one year.I realize that there is a "Find a Lender" function on this website, but I really don't want to be spammed with marketing emails. 

Please don't spam comment. 

No spam...I don't run a real estate business; so, this is just a daily email with a quote.

I have a list of HELOC providers in my bio (BP asked me not to spam it out there)

That sort of thing.The last thing I want to do is bombard a bunch of family members with what they might consider spam.

Additionally, are any of the emails landing in your "Spam" folder?

Even though i am 26, employed, have savings, and a stable job - too much protection is never a bad thing.However, i find it very sketchy and somewhat car salesman-like that all these companies keep spamming me with mail and warning me of "last notice or else i will never be able to protect my mortgage ever again."

You'd be better off just investing in one of the many note funds rather than straight-up gambling for a couple hundred extra bps.