Think about it they aren't respectful of you now how is that going to change?   

The math is easy, the 1st Lien Heloc, even at a higher interest rate, will out perform a traditional mortgage hands down with respect to gaining equity/wealth much faster, with no change in household spending habits. 

Doing so would be a prohibited transaction because you are a disqualified person with respect to your plan.

A guest that will grossly break your rules will not respect your property. #2.

Years of tenant screening has earned me a house full of non-whining, flexible and tolerant low-maintenance tenants that respect my properties and auto-pay their rent.  

Thanks for your kind and respectful response and warm welcome to the BiggerPockets community!!!

I am confident that as a client, we will meet your expectations, and I respect that you are asking for other investors feedback and advice.Investors are sometimes a little quieter in the forums than they are when you direct message them with questions about companies. 

I respectfully disagree with @John Underwood regarding seasonality.

.- If still skeptical, ask for personal references from employers, community leaders, or other respected individuals who can vouch for their character and reliability.By using these methods, you can make a more informed decision about renting to this couple, giving them a fair evaluation while also protecting your interests as a landlord.

I talked to David Whitmer over there and he answers all my questions with respect and seems like he knows what he is talking about.