It's fluid. 

It is meant to be general and flexible.

If your STR has a killer cash flow - great, this is how it's meant to be!

I can't tell you how many times a bank has told me, "You can't do that," when in reality, what they meant was, "We won't do that." 

"Disability",  either SSI or SSDI,  is a source of income, has strict limits on additional income,  and is usually meant to be temporary.  

I should of clarified, I meant an additional 25k set aside that I'd like to specifically use for investing and getting started somehow. 

If you are trying to pool money from investors you need to read some of the post on BP regarding this.No disrespect meant, but your post shows that you need to learn more about the business you are trying to jump into.

I meant to type wholesaler instead of HML. 

I'm not sure what you meant about the PM's explanation about the tenant moving out of their last place but if they were delayed moving into your unit, I don't see that as your problem and they should've still been paying rent, or your PM should've been continuing to market it.

I recommend having a plan to pay down the heloc within a relatively short time frame (1-2 years) as it's a revolver and is not meant for long term financing.