You can simply ACH (electronic transfer) money from your HELOC to a checking account so you could make the payments with the HELOC if you had too.

"Just want this head ache to go away." 

The vanity and medicine cabinet are also very old with peeling paint.

Go with white farmhouse style vanity, fixtures, oval or beveled square glass mirror (not a medicine cabinet, if you build in additional storage). 

As far as the autopay, I was fortunate to get access to Stripe's limited ACH (they're currently not accepting new users).

And I know he is not going to finish in probably any time soon or maybe none. this is the most heart aching thing I ever encountered.  

Just to get ACH functions they want $25 a month for the module.

It has been super easy to use and provides us with all the things we need: debit cards, checks, ACH. 

As a matter of fact, almost EVERY credible lender (bank, credit union, crowd funding, ACH, MCA, and even hudge funds) requires a personal guarantee and considers personal credit in order to underwrite the character and financial habits of the individual that's operating the company. 

This is where B2R and First Key and many other wall street backed lenders that are targeting owners of small properties so they can make money on the loans without the management head ache.