Instead, it’s about creating a system where housing remains accessible and sustainable over the long term.

I'm all about finding problems to solutions and figuring out how to make something work rather than simply conceding that it cannot work.

We are a direct lender and provide funding solutions for private money investors and conventional home loans.

It is a tool, has it's place for sure, but a far cry from universal solution. 

One solution I’ve seen is closing the purchase in cash, then securing the HELOC afterward, though this carries more risk.

Advise him in writing that - email AND via US postal system with proof of delivery required that the lease remains in effect as is and that you, again, recommend that he file a claim with the provider of his renter's insurance for any losses he felt were sustained. 

Invelo is a true all-in-one solution for real estate investors, built with industry-proven best practices.

Offer to buy them a few indoor portable heaters until you find a solution. 

The 15% return is in paper and not sustainable. 

I agree their insights into often undervalued markets is interesting but I also think that thousands of people look at the same data and these are often small markets and can't sustain hundreds of new STR's