For future readers, many banks will offer an unsecured line of credit up to $25k.

Even when I did reach them the first time,  the other person on the other line sounds like a moron who doesn't know how to help. 

Behind referral on on-line sources like Next door, Google review, FB marketplace, etc.  

I was looking for something along those lines to affirm what I was experiencing.

Electric: is the easiest to split, but may require holes cut in walls to separate the units.Gas: gas lines aren't as flexible as wires, but it can usually be done affordably.Water: most cities will NOT install additional water meters on a property.

The bottom line is that your scenario is possible.

It could indicate they lack sufficient knowledge or experience in professional property management, which may lead to costly issues for you down the line.

I talked to my lender contact and, as Kerry mentioned above, it's pretty uncommon that a traditional lender would offer a HELOC product on an investment property (non-primary home). 

I know the production homebuilders sell lots way in advance, but I think that's a whole different ballgame. 

Or when syndication is struggling like it is move into the training business.there is huge money leveraging your on line popularity where folks will have an irrational opinion of someones bona fides based on SM media presence etc.