I have a list of HELOC providers in my bio (BP asked me not to spam it out there)

Denise has consulted on several difficult situations for me and has always provided excellent advice and service. 

Welcome @Hogan Chouinard,Memphis is a city with a strong workforce that offers low-cost entry and provides consistent cash flow to investors.

Purchase Price:Total: $1,985,000.Deposit: $10,000 (First Deposit) within 3 days, additional $30,000 (Second Deposit) within 30 days.Seller Financing: $297,750 (15%), 5-year term, 20-year amortization, 6% interest.Balance: $1,647,250 to be paid at closing.

This is a local bank in a rural area and my girlfriend and I have our mortgage on our home through this bank, but I really am not sure how they would have pulled my girlfriends information for a credit check if her Mom did not provide the info.We will be calling first thing Monday morning when banks open, but our major concern is whether she is able to sign for the loan (should it be approved) without my girlfriends approval, since she is also listed on the deed. 

In an example like that waiving some late fees to avoid eviction costs, additional nonpayment until eviction, turnover/vacancy costs is well worth considering.

They claim to distribute 12% cash return in addition to any capital appreciation after the exit (3-4 years from now).

I'm here to learn as much as I can.Thanks in advance for any tips or introductions you can provide.

Additionally, both the FHA and VA loan are for primary residence purchases only, so no flip/investment purchases.

Thank you for taking the time and providing me with insight.