Now, over a year and a half later, he sent a certified letter last week demanding the security deposit or legal action within 30 days.Please advise. 

.: The applicant needs a social security number or an individual tax ID number (ITIN).

A 4-bed, 3-bath rambler with a large lot in a high-demand area is bound to attract buyers.

HELOCs are not available because they are residential loans guaranteed by individuals and what you seek is a type of commercial loan or credit line which are available to seasoned companies with proven financial track record.

We would like to have more individuals that we deal with directly. 

Building connections with like minded individuals to help each other achieve their goals is priceless.

It depends on where you want to live, income, personality, and other factors.You could buy a large home and rent out the individual rooms to cover expenses, but this comes with problems.

Don’t sell to an individual asking.

Stable demand, in retiree market - yes, but also in several other segments: professional working remotely, new Americans. 

prices are high, interest rates are high, there is tremendous demand for inventory, and - one thing that doesn't get mentioned enough - a record number of properties are debt free.