I'm planning on acquiring a HELOC on my primary residence to help me with the down payment/expenses of my first investment property. 

I was thinking of paying a mentor to help but I don’t know who I can trust or what their fees would be to help . 

So, active duty military, big pharmacy salesman, contractor, or just a traveling trust fund kid, where you are gone the majority of each year but still consider “x-city” to be your primary home/place of return, you’ll be stripped of your license.

Moreover i believe First National admitted that although no law permits this practice (unjust enrichment) claimed that Daly had tacitly or otherwise consented by way of making payments on his mortgage for so many months.

I would focus on saving towards your down-payment and closing costs.

I have no pay stubs/proof of income but I do have a very good credit score and 50-75k for a down payment.

show your accountant your payment to them. 

Not looking to game the system and using the property for ourselves is part of the plan as it's where we normally vacation anyway, so considering that the 10% down payment is much more appealing if we are able to balance out the rules and keep the cash flow positive. 

Lower monthly payment than the 15-year term.

Do DSCR lenders require the 20% down payment like traditional loan products.