Gain experience, etc……I was chatting with a lender last week about construction loans and found that some handle permanent too, also that a commercial line of credit will keep my credit score from fluctuating should I decide to sell?

At least think about it.Now, after saying all of that I do like using HELOCs but they are NOT designed to be permanent financing tools. 

Is like having a big fat savings account and you only pay interest when you use the money.

The down side is a permanent mortgage interest if you go really low with your down payment.

They are more expensive and have higher fees, but they expect you, to take them out via a sale or refinance to a permanent loan.

So yes, agents buy leads from all over the place, but I am guessing you might be hard pressed to find an agent willing to pay large fees per lead as it could have permanent negative repercussions on their license.

A piece of furniture is personal property and usually not a fixture (unless it's a built-in or something permanently attached), so the value of furniture typically is not included in the value of the Real Property. 

Anything permanent there seems an exposure unless the short term returns are massive.One example: @40 years ago my wife's husband moved down to Houston, from OH, to work for Kroger foods.

This allows me to turn my construction loan into permanent financing with almost no cash tied up in the property (assuming 75% LTV permanent financing).  

If they are attached to land and have a permanent foundation, they may qualify for FHA, VA, or USDA mortgages.