I feel the nice route/cards have been taken off the table by him unfortunately.

Make her happy, enjoy the experience & you won't lose your 'man card'.

Some of those people may  have a house of cards that will collapse when the market changes.

And if you play your cards right, there is a LOT of money to be made.

For right now i talked my partners out of any investors i think its not in the cards for now specially with a impending gigantic market correction thank you for your advice.

If you pay it off and decide you need to use the money again, you have to go through underwriting all over and have your credit checked, assets checked, etc.HELOC is like a huge credit card as it is a revolving loan like a CC.

The majority of families out there simply do not have the upfront costs needed to take out a mortgage and own a property.Going through the process...credit check, steady income, Debt-to-Income ratio....it is not possible for some.Maybe they are in the area temporarily because of unsteady work so buying a permanent house is not in the cards for them.There are so many reasons why people cannot buy, those of us who can and do own are lucky because we either have a good situation for it or we made a good situation for it.

Maybe it's best to share my consideration--it's a "trump card" for me. 

We are a little short and are wanting to borrow $15k from credit card cash advances to fund the rest of the required percentage of cash needed.

If the credit card was not a Wells Fargo credit card, write a letter requesting a goodwill adjustment (google goodwill letter to creditors for ideas).