Naturally, that also explains why he doesn't want to re-send it....PS: It would be very unusual to take 20 days for the power to be turned on once properly requested - more typical is 24-48hours.  

The net result is that, if anything, be frustrated that the costs and terms of the loan weren't explained to you up front.

My plan was to only make payments on the HELOC for 9-12 months, then get it refinanced into a fixed 15 or 30 year mortgage, paying off the HELOC, and of course, repeat.Would it be worthwhile to ask a bank if they will do the HELOC, and explain that I want to do a full mortgage in the future, possibly with them, that way they could secure my long term business with them as well.

@Adam Treece I attended a seminar on the TSP where they explained how you could take a lump sum distribution from your TSP and roll it into another retirement plan (including a self-directed IRA). 

The first one the might think "meeh he got lucky" 2 or 3, and more that you start bragging about (In a good way) people will start to take notice and ask questions and want in.I suggest taking her to seminars or classes (making her read a book might work but only if she is willing) show her what you are doing and why you are doing it. explain in very realistic numbers what you want to achieve and how you are going to achieve it and the steps you are going to take.

I will clarify this with him.Can you please explain more when you say that I can "use 75% of my monthly rental income towards my income"?

I'm going to explain to the seller he needs to have an environmental test done to see if in fact the ground is contaminated.

You are also buying the property for 600k after 10 years and giving the person you are lease holding to the option to buy the property at 1m after 11 years.There are TONS of other legalities that would take weeks if not months to talk about and sort out between you, the person you are buying from, the person you are selling too, and the HOA if you are purchasing a property on top of a property (for example a condo) but there is money to be made IF DONE RIGHT.Please I highly suggest anyone with more extensive knowledge critique my post and iron out any of the wrinkles you may see in it and continue explaining if I missed any crucial parts.

It will explain alot.  

@Chris SeveneyThanks for your advice . i dont want to invest more than 20k in unknown ( for me) area .Can you explain finding parthnership?