But better safe than sorry, becuase people will pass on your place and you will never know the reason.....Like @Michael Baum said, there are many option like the mini stackables nowadays....

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

It feels like everyone and their grandma is on the Do Not Call list nowadays and my worry is the fines associated with accidently calling these individuals. 

It's a pretty standard product these days.

As the legally required small print in the offering of financial products reads: "Past performance is no guarantee of future performance".

More than likely, the loan officer on your file either A) didnt know their own product very well, or B) glossed over this aspect in order to get the loan to closed due to a lack of integrity. 

Or you’re not budgeting for a great product and will be obsceleted in the near future.My team provides all the above without hefty consultation fees like many STR experts/gurus do.  

I am feeling a bit complacent nowadays with Real Estate, but one of my talents is being relentless so I am staying active on here, and I want to analyze at least 1 or 2 deals a week. 

Warren Buffet has discussed this in the past saying if you had all the gold in the world you would have a giant cube of gold except for minor industrial uses, but if you had all the farmland in the world you would be able to produce a product (food) that people would buy, thus giving you a return on investment.

@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.