I used a hard money loan for the bulk of it because, let’s be real, no bank was touching this place with a ten-foot pole.

Each jurisdiction has their own Zoning designations and restrictions, and they can Vary significantly.

The unbanked and underbanked population cannot take advantage of these new technology because they don't have a bank account to begin with.3.

I am also a lender, with Chase Bank, but want to expand my knowledge on hard money and private financing options.

It is investment banking, so the rules are much different than your "normal" lenders who offer mortgages or loans to cover a single or portfolio of collateral. 

Shop around for debt to see what is available and model the various structures to see how the different terms impact performance.The tradeoffs will be fixed vs. floating rate, conventional vs bridge vs CMBS vs bank vs agency. 

The tenant pays a monthly premium and keeps an active bank account and credit card on file.

Credit Union, Brokers, Banks (all have different advantage & disadvantages). 

It would seem the only contact they are able to make is between their bank and my credit card.Any insight or advice would be greatly appreciated  

It’s a bonus if the bank offering the HELOC also handles BRRR loans — they’ll be more flexible and accommodating when it’s time to pay off the HELOC with a new loan!