If someone advertised: 100% commission sales job, no leads provided, heavy competition, possibility that you will be breaking the law, pay for your own marketing, no guaranteed buyer market, find your own product, compete against multi billion dollar companies, pay for your own training and education, long hours, extremely small likelihood of making even one sale; would anyone apply?

I know a lot of people that can just work from their laptop at the kitchen table, but we have an energized 2 year old and I'm much more productive if I have a little space for an office. 

I have asked the lender I have the HELOC with if this is OK and she said yes, but I would need to close my HELOC bc I can't have more than one home equity product at a time.Is this the end-all-be-all or is it possible to have multiple?

They get new jobs, get divorced, break up with their boyfriends/girlfriends, have fights with their roommates, and then they just move.You can’t physically force them to stay, and the reality is you can’t even usually legally hold them to the full obligation of the lease because almost every state requires the landlord to mitigate damages and make a reasonable effort to re-rent the place to another tenant.So whose hands are really tied by longer leases?

There is a 5% down product conventional with no monthly MI that allows multi family acquistions for House Hacking purposes.

Secondly I look for good "bones"/physical condition to keep operating expenses down.

Where as the success of a dividend for a whole life company comes from one of three places: a) over charging clients on whole life policies b) outside investing c) more profitable insurance products I look for a company operating in area c. 3) A competitive borrowing interest rate. 

I think it all depends on your comfort level and how much you actually want to be physically present.  

The product I preferred was the 5/1 ARM on 30 yr term with first 5 yrs IO.

Don't be afraid to shop around to different banks to discover what loan products are out there.