He needs to pump the brakes.

Sure, they will put on the brakes if you try to have a check issued to yourself, but that is about the extent of it.  

If I could tell myself years ago what to do, I'd tell my self to pump the brakes cause that deal you think is "the deal" really isn't.

The same reason why I pay someone to cut my grass and change my brake pads.

Try brake cleaner to get it off

Just reiterating why putting money on the LOC is the equivalent of 'dragging the brakes' with the so-called 'velocity' method vs just maintaining a $0 balance LOC while putting the same amount of extra income towards the mortgage each month.

I would look into the market or go with a plus account and put this on there where lenders can respond without braking the rules. 

If you don’t have a contractor yet...put the brakes on your whole operation until you have a great contractor and a backup as well.

As a custodian and fiduciary, they are just not allowed to provide tax, legal, or investment advice.That said, most custodians will put on the brakes if they see a clear violation, but they have no obligation to so do and will definitely not be any help in a gray area situation.By contrast, a checkbook plan provided by a quality company will include consulting support that is not available from a custodian.  

One of my friends own a A.C company and when I purchased my last house I asked him to change my old --but functioning fine-- a.c unit (20+ yrs), he told me to hold my horses because older a.c's were made to last, and when they brake it, it is often times a simple inexpensive fix (unlikely the modern ones that are made to last 5 years and when it brakes it is better to change to a new one than fixing it).