So I possibly missed out on deals because I couldn't get the appointment. 

I had been with them for 18 years and paid off mortgages, never missed a payment, never had a problem, etc.

I do hope I didn't miss anything and that this helped a bit. 

Beyond the sheer volume of work and little demand, even getting consistent data is next to impossible, and the reason why results are hit or missed is the bigger reason to invest with groups.I.e.

I might be missing something but I don't see how this is "cheaper" monthly.

Am I missing something?

Next, via bi-weekly your never going to "miss" a payment.

Many of their sites have materials missing or have unfinished work with materials being exposed to weather past acceptable time spans.

The risk is missing out on the 2024 60% bonus and getting stuck with an even stingier 40% slated for 2025.

Meaning any of your Helocs can be closed or reduced at any point if any of your banks feel you are over leveraged, miss a payment, credit score drops, even by mistake it happens all the time.I would get rid of the Helocs and put some cash in your bank so you can use that versus a Heloc.