Does anyone have experience with a bank or credit union that is offering Helocs in 2nd position on small multifamily investment properties without goin the commercial route etc...

However, there are reputable websites that offer a wide range of house plans suitable for various purposes, including spec homes.

The VA loan is a powerful tool with a lot more to offer than most people are aware of, a good agent will help you maximize its potential to kick start your REI journey. 

I would offer an annual lease if a tenant prospect has an outstanding application. 

This book offers a non-traditional approach to a mindset shift that is conducive to producing massive results.The Richest Man in Babylon also isn't real estate specific but reading this book multiple times on your climb up the financial ladder yields different perspectives.

They were outraged that it hadn't been offered to them.

For real estate, this might mean getting your license and learning how to sell (fyi - getting a license does involve costs); breaking deals down for others at no cost; assisting brokers or property managers: finding other ways to offer people valuable services.I really wish you the best.

Check with James Wise's site for his Cleveland LBP requirements summary, it's much more useful than what I can offer as I'm not in the Cleveland market. 

Insurance offered me $70K for my fire.

Are there insurance companies that offer a product like this?