Your HELOC is calculated more like a credit card's interest where you are charged a certain percentage of the balance, and you pay down as much of the principal you want to, as you want to, subject to defined minimums. 

A wholesaler who was meeting with sellers would leave a nice, professional brochure at the seller's house after meeting with them.My team usually leaves at business card at the house, but I would like to have some sort of glossy literature to give a professional impression to the homeowner.Does anyone here have an example of what they have done for this?

@Juan Alvarez2 low interest credit cards..

I work a W-2 job and still have a $13K of student loan, but no other major debt (own my car and small credit card debt) and I have a high credit score.I have been learning and researching on how to analyze BRRRR strategies in my area (Essex County, Haverhill, Massachusetts) but I am stuck on what can I do right now with not enough savings built up get and its only been 5 months with my FHA loan.. should I wait it out for the 1 year mark?

What if they want to add costly services that significantly reduce your cash flow but do not significantly raise your rents. 

I am estimating that I am going to be able to raise the NOI roughly 6k-10k annually.

That being said, I would be concerned about the occupancy and if the leases have a variable ending date and its age, and if you think you could add any value to it by raising the rents or make any interior or exterior improvements. 

If it's undervalued then you could raise it to increase cash flow or keep it a little lower to let supply/demand work its magic and keep your expected vacancy lower.

Now might be a good time to look at Buildings or condos downtown, because I believe it will happen and it will raise the value of everything downtown.

Offering me a credit card of 6 months of .99% then jumps to 9.99% or a unsecured personal loan.