I am struggling to find the right option for a HELOC on my second home in Northern Michigan.

I did read a post about questions which lead to no positive outcome.

My buyer is willing to pay a few thousand over but I fear that I will be in a difficult position if they were to back out as I wouldn't have any other buyers that would be willing to purchase this contract.The agreement that I use is attached.

When bringing up subject-to as an option, the agent kept stating that his loan was un-assumable and that there was nothing more outside of traditional financing that could be done.

Any thoughts on it, both positive and negative.  

She has about 3 more months to go (could be more or less) before Plaintiff will be in a position to disburse/record.Is there a typical process on how these go?

I think you have a few options. 1. 

It positions you well for real estate success but don't stop there, explore different investment options and build connections with people in the field.

We use a flat fee listing agent to save on standard seller commission which allows us the option to offer a higher commission to the buyer's agent

I've been doing this for 20 years, and I still think buying existing properties is the best option.