That should allow you to avoid the "pay and stay" rule.

I would rather pay a little more now to build a foundational system for growth. 

Should we be doing this HELOC if we are unable to pay it back in full at a later date. 

(On that type of deal it should but play it safe)Even if the seller can show you a current policy and that is what they are paying now you as the new owner may not be able to secure that same rate even from the same insurance carrier.

I actually did get someone, but then they tried to hustle us with a wayyy lower price when he went to pay

Let them live in it and pay me a rent for a while, And then, offer to sell it back to them in 5 years at $1,000,000.   

I ended up paying about 1/2 that with another service.  

I enjoyed that mine was a one man band, and it was smooth and efficient, handled by email and short hand dialogue and simple resolutions.My eviction filings, so far have been "light weight," mostly gets people motivated to pay and stay.I spoke to a couple of firms, but they make it sound much more complicated and ugly than it has been in my case, so they aren't resonating with me.

Certain lenders will understand the travel healthcare pay better and might be able to qualify with past W-2s, pay stubs, and contract terms. 

When a tenant stops paying you, they stop paying those utilities and the bills add up fast.