Is you paying an Uber Driver "welfare" payments? 

Don't change jobs or income yet.Once you do and you think you can manage the payments based on your new income, maybe once you get the rooms rented.Then if you want to switch there are plenty of opportunities. 

When I tried to get it when my side of the family found out and tried tp take over reverse mortgage payments to bank because she had died it was to late so they sold the house to Hud and then other reverse mortgage companies but a relative still lives there so they can't kick them out.

Meaning if the borrower stops making their payments the investor can lose all of their investment.

if so, did you get your initial investment back or make a profit besides the monthly payments?

do not use a line of credit for a down payment. 

Do they require payment on site or do they give you a certain number of days to close the transaction?

I used a HELOC to cover the down payment, appraisal gap, and furniture, allowing me to enter the STR market without depleting cash reserves.

If your loan is $110K then the payment on the 15 year would be $927/month at 6.15%; 30 year option at 6.625% would be $690.

I've done the one on one thing for a while now but for a lot of reasons (timing, paperwork, reliability, etc.), it's not ideal.