You can also use an antioxidant compound, which is a metallic substance on all your aluminum wire connections.

Assuming the same general rules apply, would taking out $20k be harmful to me considering it is more than 30% in scenario 1 where heloc LTV is 90%?

Mine is a 3 level system I developed that involves:1) starting out with cash, or a "cash like substance", as your seed money in Level 1...and never spending it.  

So there's no real harm done and if it can generate a lead it's worth it.

I had a guy from upstate New York try to sell me data who turned out to have some kind of substance abuse and anger issues.

I also agree that a person who has paid upfront for mentoring would be more inclined to follow through as they have some "skin in the game" however, that fact does not ever consitute the mentor receiving 50% share/no skin in the game/large upfront fee.As far as mentioning the guru, there is no harm in doing so as anyone here with personal knowledge or experience with that person can give you some insight regardless off the fact that the guru is not present to defend themself.

Many people on BP will tell you that unless you have actually closed on the property you cannot advertise it for sale without a license.Unless somebody complains I would assume there is no harm in advertising, I would just be aware that there could potentially be an issue, even if it is only a small chance.

These loans are strictly investor loans to entities, etc so I am never in harms way with CFPB, etc. 

I see that doing more harm than good personally.As far as marketing I would maybe try to find some agents that specialize in leasing to help you with acquiring quality tenants as well as marketing on craigslist too on top of what you are already doing.Hope that helps!

The tenants were menaced and physical harm was threatened to the point where I am considering installing a camera and security system.