Also with a HELOC you don't need to take out a specific amount its more of a credit card you can just pull out what you need. 

He's mentioned to me the "medical pot card" in conversation on Sunday and I've seen him using e-cigs outside the home in walking, which im fine with.

Nobody ever explains how they lost their shirt buying their first place with credit cards.

I started the Dave Ramsey program earlier this year and I am debating on selling them and paying off some personal debt car and credit cards etc.

I was a journalist for 10 years whose job it was to find bills, laws, ordinances and still ... it's super difficult to find the actual language of any law.)For Denver, a "primary residence" as defined in the municipal code, Chapter 33, Article III, sec. 33-46(4) is: "...a residence that is the usual place of return for housing as documented by at least two of the following: motor vehicle registration, driver's license, Colorado state identification card, voter registration, tax documents, or a utility bill.

As for advertising start with a letter and a business card to everyone you know or knew letting them know you are a Realtor.

Send ads/ mailers/business cards to Credit Repair Agencies & Credit Counselors 33.

They also have an internal publishing tool that can send out post cards or letters on a one-time basis or a schedule.  

The wild card may be getting the previous landlord to give a written statement saying they broke the lease. 

Nice to see none of the debt is credit cards.