Medium size 3/2's rent much better than giant 4k sf mini-mansions2. 

I cannot recall specifics (and don't know if this is a real strategy or a giant red flag for the IRS) but thought I would ask for insight.

So in this case, the down payment is my giant to conquer. 

I've seen typical numbers of 1%-2% higher than your current rate.What HELOCs are designed for is to be a giant credit card. 

Maybe take your returns to another professional to vet this "strategy" and make sure it's legit before you go recommending it to every Tom, Dick and Harry on the internet.If you're making a blanket case that "trusts don't pay taxes", then you've been grossly misinformed.While for YOUR situation it may be true that there are no taxes in the trust, you can't just make a blanket statement like that without bringing something to back it up.So - my advice - learn about this strategy so you understand the nuances of it so you can understand who benefits from it. 

That's a giant red flag. 

While your student loan debt is not giant; it is still a consumer debt that you will owe monthly payments on and will likely take up a noticeable portion of your monthly paycheck.

Agree with @Dick Rosen that you can start at www.narpm.org and search their directory of managers.

Does it matter to you, if your the seller, what color the armored truck is that drops off your giant pile of cash?

Thank you Dick, and Nancy for the prompt suggestions and advice.Out of curiosity, who do you use for background and credit checks?