The only other option is non-agency aka subprime, there is more flexibility on the LTV and income as you can do a No Ratio or Asset Depletion or Bank Statements deposits or DSC (debt service coverage)

Be sure to check your rental agreement which may require that your notice to end the tenancy be given on the first of the month or on another specific date.In some situations, you may be able to move out with less (or no) notice—for example, if your landlord seriously violates the rental agreement or fails to fulfill legal responsibilities affecting your health or safety.Secondly serve the 3 day notice.Serve the notice as follows:The Notice to Vacate must be in writing, and include the following information: date the notice was served on the tenant(s)name(s) and address of tenant(s) rental unitthe reason for the notice (that the tenant failed to pay rent for a specified period of time)a statement that the tenant has three days to move out, including the final date and time by which the tenant must be out of the propertyan ultimatum that the landlord may pursue legal action (an eviction lawsuit) if the tenant does not move, anda statement specifying how the notice was given to the tenant, either by actually giving the notice to the tenant or mailing the notice

We email to but u know not everyone checks emails.

I also texted them & emailed them reminders to set up there payment method in Cozy several times throughout the month of December (all of our direct communication up until this point is through text).

You can also add wifi lights and thermostat, allowing you to control the lights and temperature at a distance.Only allow them to enter the premises in your absence after they email you a photo of their driver's license and if it is more than one person, get photos of all of their driver's licenses.

I use Cozy because it's free for tenant and landlord if you use ACH transfer.Cozy sends you an email when the transfer is in process and when it is "depositing" - usually the day before it hits your account.

But i just wanted to get some feedback on whether my statement makes sense or not.

After several email attempts to rectify via phone and lies on his end all around.

Let me preface this by saying I have already emailed the same question to my tax guy, but wanted to ask here as well.

Typically before you close on the HELOC  the bank will have you sign a statement saying something along the lines of 'your credit status hasn't significantly changed and you have not applied for new credit since the HELOC application was submitted'.