I've had it listed for 2 months with nothing but 550 credit score people applying.

Like anything, the 80/20 principle applies to lenders. 80%of them stink and do very little business while 20% are cleaning up.

I applied to refinance one of my rental properties that has a conventional loan and the rates were garbage.

I think we will just apply for the HELOC and hold it and see what happens, if nothing else I'm at least acting like I am busy trying to do something productive, even if nothing comes of it I can tell myself Im doing something good? 

I waived late fees as free they paid them and am applying them toward May.

Should I move the properties to my personal name before applying for my work permit?

Also, I would have an additional $100K in equity which could be used as a rainy day reserve or additional investment.I already applied for the reverse mortgage and looks like I qualified for a lesser amount because my wife’s age.

Bonus if it can be turned into an educational how-to guide.The resident can either pay out of pocket for any work needing to be done, or they can let the GNA cover it in exchange for direct principal payments off the original market price purchase.Make a simple guide to what needs to be done on a regular basis, and establish a plan for what the resident can handle, vs what the GNA provides.Create synergy with kids and grandkids to accomplish common/ regular tasks.Opportunity for daycare/ day camp, or even homeschool type services.Opportunity for future continued business partners to take over living on the residence.Preferred scenario, resident pays for material and professional labor, and the GNA provides cheaper labor for easy tasks etc.Residents may pay part of the labor cost, but ideally if the GNA has cash to pay internal employees, then those costs get applied as principal payments.Explore options that let GNA employees trade time for ownership of that specific property, instead of traditional pay, or use it as an overtime bonus.Find ways to incorporate local artists and craftsmen, and make unique projects that incorporate the story of the house as told by the resident.

I have applied for both.

@Robert HetrickPer the loan offset rules that went into effect with the 2018 Tax and Job Act: if you leave your job and the loan is current at the time you leave your job but then the loan goes into default because you left your job, you will have until your tax return deadline (including any timely filed extension) to make the loan current by depositing the outstanding balance into an IRA (and thereby avoid the taxes and penalties that would otherwise apply).