https://store.biggerpockets.com/products/start-with-strategy?

As your banks have made very clear.Getting a second job would be financially more productive and less work than wholesaling. 

The E-Myth by Michael Gerber- Start and operate your business with the consumer in mind... not you... not your product or service.

I do both an email and a phone call I usually email first and do a phone call to ask if they have a phone number.Thank you for the advice, I understand the lack of creating equity but I feel like all I'm doing is the same as any other buisness which is getting a product, repurposing it for a consumer, and selling said product/service.

It was an (annoying) paid ad popup left corner in a YouTube video I was watching, and I was about to shut it down, because it is what it is, a paid ad = they expect to sell a product, and they advertised it.

Personally for our company, since we entered the 1st lien space a few years ago, product availability with 2nd liens isn't a huge issue.

Using an insurance and bank loan product, putting $500,000 each year for 10 years so your family gets $2mm tax free each year forever.  

To me, that was useful and we moved on to discussing more productive things.

It's a pretty standard product these days.

@Andrew M. yeah, if you opened a HELOC while you opened while living there then it's likely that they don't want to extend that current product.