Typically the fees you are listing come with low doc commercial loans.

It’s great that you’re ready to take the leap into real estate investing.

I apologize if I wasn't clear on my question, I didn't really go into my plans for how I would invest as I didn't think it really pertained to my question, yes I know I should not purchase a rental using a HELOC and certainly that wasn't the plan.Whether it be a flip or brrrr, I would use some investment vehicle that would allow me to pay back the money.Roll into as when I purchase my next primary home, use the equity towards the house.The premise of my question was just is owning a home expensive enough now to where it'd be worth putting more money towards it when purchasing to lower payment/pay off quicker, or would it still be worth it to use all of that money towards other real estate. 

I've found that what I value most in regards to real estate investing are the people who know about actual home repair and can approach a sale from that perspective.

My uncle is part of the RHA and has found it helpful https://www.rhawa.org/I keep meaning to check it out but haven't since I can get so much second hand information off of him and others I know in real estate.

That’s why I’m here, I’m looking for a better way and real estate looks like the path a mechanic can take to no longer being a mechanic.Right now I am figuring out what strategy I want to focus on.

Any real estate attorney in Utah that could provide a consult today? 

What additional services or support, beyond financing, do real estate investors value when working with a private or hard money lender?

This latter group is called "REO" (for "real estate owned").

Based on my knowledge of real estate and irrevocable trusts (not a whole lot but enough) it doesn't sound like there was anything done illegally.