As the Proctor and Gallagher institute tells me, "I am a millionaire and have a wildly successful real estate brokerage with many investment properties and have many successful employees all making an impact on our community!"

here is link describing the butler rebate.. sounds like title insurance providers have choice whether to participate or not...http://www.matthewlernerlaw.com/butler-rebate.html

The reason you see folks talking about your perfect BRRRRrrrr as being a cash purchase is because in that scenario the property is way too beat up to get a normal mortgage at all, often making it a full gut job.In your case if you're looking at an older but generally functional and complete "granny house" cosmetic rehab, yup a HELOC + institutional 1st mortgage is a great way to get in the door, then you wrap it up by paying the HELOC back down so you have the down payment on the next one. 

If you acquire a property with any existing lease, voucher or not, you have to honor the terms...you're assuming the continuation of the agreement the prior owner entered into upon acquisition of the new property...you don't have a choice to not participate for the duration of the lease if you want paid.

Look at 50 to 100 offerings before you participate in one and you'll have developed a finger tip "feel" for what a good deal looks like.

Many banks now allow you to set up ACH transfers to other accounts at different financial institutions. 

My suggestion would be to call around; the terms offered to you by this institution are not the only options available.  

I took Pre-Licensing through Mitchell Community College in Mooresville, and Post through Canopy Real Estate Institute.

I’m looking for recommendations for financial institutions for a HELOC.

All of the above are institutional (at least that's where many brokers get their money, from institutional lenders).