After meeting, emailing and talking, a relationship was established which allowed to ask if they might be interested in earning a higher rate of return... and there it goes.

I own my home and started the process of converting my backyard shed into an ADU to earn rental income.

I mention this because if that $1,000 less is box E, F, and G stuff, that just means the other lender is quoting unrealistically low to 'earn' your business, and the Tax Man's going to come after you for the shortfall one way or another later on.

@Devin Mills...the pros/cons of paying down the 4.25% mortgage (in your case 15 vs 30 yrs) were recently discussed here:https://www.biggerpockets.com/forums/48/topics/443301-why-not-snowball-the-debt-on-real-estate-investments(yours truly would recommend the 30yr mortgage because you can earn more than 4.25% on your next REI project, rather than paying down debt).

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For example if you're working for a big corporation in their real estate department and helping them buy and sell property, they don't want you to get paid by them, and earn commissions or referral fees on the side while that happens.My suggest is you figure out exactly what job you want to go after. 

I totally underestimated how much work that would be and even though I would not want to miss the experience, it was a huge time sucker and did not make much money - I respect builders now a lot more: it's a though business to earn a decent income! 

Be brutally honest with yourself and switch roles for a moment, if you were a professional investor who had 80k sitting around, would you really give your hard earned money to a 23yr old with no proven track record of being successful so that he could go do a deal? 

My thought process is,  I can earn enough interest to cover the interest only payment for the HELOC and hopefully double my investment when the syndication refinance or sells.

When I’m not aligned, I lose money.The truth is, there are huge differences among real estate investors in results achieved and effort spent, that one must conclude there is more to achieving than action alone.5) The Time Factor – In real estate, everything is measured in time, with the faster you can earn money the higher your ROI.