It has been working great, but I now find that for them to be compliance with new regulations against spam texting, they are requiring people to explicitly opt-in.

I would hire a plumber or good handyman for that part and it shouldn't cost an arm and a leg.  

Cross collateralizing ties the borrowers arms and legs- both must be non owner.

Remember 2007 when individual SFH ARMs started resetting? 

While this has worked well, associations now explicitly limit tenants to 2 or 3 per year.

If you text people without their explicit consent, it is considered SPAM, and you risk legal action, regardless if you are selling a product, providing a service, or simply providing information.In addition to explicit consent, recipients must opt-in to your SMS campaigns using methods such as mobile and/or web opt-in.

Using a heloc for a DP on a long term asset is essentially borrowing the downpayment on an ARM, easy to get over your head and under water on both the property purchased and the property you have the HELOC on especially when there is a high downside risk which is the current scenario.  

Once you understand everything in that course and actually implemented those things in that course then go out and look for someone to help you with your digital marketing until then keep your money in your pockets.Additional free courses is on Google called “Google Digital Garage”Hope this help you get started after that then if you need to go get marketing help but now you are armed with enough knowledge to know if you are working with a charlatan!!

For example: I have a 5 year ARM at 5.5% interest on a 243k mortgage that can adjust after that period, but my plan is to hopefully transition to a 30 year fixed rate before the adjustment occurs - so we can avoid that complexity.

To start off with I have explicit language in my digital rental agreement.