I believe in this so strongly that I have even once confronted a large advertising client about this issue when I discovered they had language to this effect in their terms of use in the past, and asked them to change their policy, at risk of material revenue loss to our company.

Lawyer’s wet dream. 

Don't know how to analyze a deal effectively?

I completely agree with @Ashish Acharya's points about the cost-effectiveness of a HELOC and the potential credit implications if it’s secured by your primary residence.

Effectively offering more than 100% financing.  

Your referencing effective age vs chronological age. 

Sub2 is a risky strategy for a long term buy and hold as the longer the deal structure stays in place, the higher the chance that issues will arise (like issues with the loan servicer, insurance, seller filing for bankruptcy, seller dying, seller realizing their DTI ratio and ability to buy their next property is negatively effected and becoming upset about it like in your case, due on sale clause being called, etc.).

I own a 30-unit community and found it much easier and more cost effective than the 1-4 family and flips that I was doing before that acquisition. 

Most investors on this forum are obtuse to the complicated nature of macroeconomics, cause and effect.

My question is can anyone point in the direction of someone who could represent me in this matter maybe a lawyer or attorney, or someone who knows the fire code and who can be clear and concise on what I need.