If you need a more specific number, shoot me a message with more details and I'd be happy to help

Do you have 20-30% of purchase price extra cash outside of the purchase to help with repairs that may come up? 

I am working on an article describing this more in detail and the opportunities each class affords.

I could also pay more monthly cash out of pocket as my finances allow it but I'd prefer create cash-flow and put that extra cash into other savings or investments.Any other pros and cons of shorter vs. longer term HELOANs?

I’ve been learning how to do different reno projects from watching and assisting in work being done in my parents house, watching shows on tv to learn some tips, shopping online for materials and learning the costs to get them done and installed, I have created a few extremely detailed budgets to familiarize myself with costs, I’ve studied a few areas I’m interested in and have been following their markets for years, and reading articles on different aspects of the business.

If you are looking for some guidance it would help if you provide little more details of what it is you are trying to accomplish, or post a specific question. 

Long story short, her dad took over and I started paying him rent for the room I was in along with some extra for bills and what not. 

@Russell Brazil Thank you for that detailed list, I will try to make good use of it.

If you don't have some extra cash left over after the end of the month you might want to wait until your cash flow situation is a little better and you have saved up some money.  

A different qualifies applicant has two dogs and would pay an extra $50 per month, so that extra income is appealing.