That should allow you to avoid the "pay and stay" rule.

Should we be doing this HELOC if we are unable to pay it back in full at a later date. 

I actually did get someone, but then they tried to hustle us with a wayyy lower price when he went to pay

(On that type of deal it should but play it safe)Even if the seller can show you a current policy and that is what they are paying now you as the new owner may not be able to secure that same rate even from the same insurance carrier.

I ended up paying about 1/2 that with another service.  

Let them live in it and pay me a rent for a while, And then, offer to sell it back to them in 5 years at $1,000,000.   

If not, get referrals for a lender from people whose judgment you trust.

I enjoyed that mine was a one man band, and it was smooth and efficient, handled by email and short hand dialogue and simple resolutions.My eviction filings, so far have been "light weight," mostly gets people motivated to pay and stay.I spoke to a couple of firms, but they make it sound much more complicated and ugly than it has been in my case, so they aren't resonating with me.

Certain lenders will understand the travel healthcare pay better and might be able to qualify with past W-2s, pay stubs, and contract terms. 

Competition..However, most investors are not aware of off-market properties..But not any off-market, the undervalued ones.These Deals are gold..Most investors don’t know how to really get them .Some do direct mail , cold calling , chasing people down and begging for deals.And except to get those deals.The Thing is those deals are not on the radar for a reason.And to get those deals, there is a very simple set of requirements that need to be met and systems that have to be implemented .Once you know these requirements and systems, it's just a matter of executing them properly and with consistency..And the undervalued off-market deals will come to you.It really is that easy….I’ve getting off-market properties for over 3 years now without even working to get them.Like 2 years ago I got this off-market deal and it was just a piece of land in the desert .For real .And I took it for 20k.No one I know didn’t make fun of me.They call me stupid .But I trust the requirements and the systems.Now 3 years later this land is worth almost $700.000 ($642k).It's all thanks to the fact that I can find undervalued off-market properties..And no, I start with nothing and zero connections..But that doesn't matter, because you don't need to have the connections, to be a sweet talker or have millions in the bank.If you’re sick of finding deals .Then all you need to have are requirements and systems to get you off-market deals.But please just don’t think that cold calling is the way.It’s sad.I will write another post about the systems and requirements to get those deals.just be open-minded that there are systems to get off-market deals.And that’s why some investors make millions and some don’t .They have step-by-step systems that guarantee getting those deals.Thanks for reading,