There are so many condos south of downtown that seem like literal steals. 2-3bd < $100k.

Literally "you can't be outside in the pool area after 10pm". 

That is literally the definition of shady.

He did a soft check and said my debt to income would not qualify me for a HELOC... but a cash-out refi with an FHA at 6.5% would be okay with around $100,000 cash-out which would put my debt to income around 56% <yikes, I know>  Since I literally just bought my house hitting the 30yr reset isn't a big deal... especially if rate is micro point lower.  

The reality is there's literally no better way to do that than with real estate investment.

When a vacancy comes up in a good apartment on SFO, operators often have literally hundreds of extremely well qualified applicants at incredible rates.

The repair was a big hit for me, and I am now tight on cash, as I just literally moved and my wife and I are expecting our first baby so I am doing what I can here. 

or literally he can choose to never pay and my credit gets in trouble?

Rick, That was literally my first thought as well. 

As someone who is a former dedicated diy person and who once swore that everything can be found for free on bigger pockets or by reading books I am literally forever changed.