He lost his job due to health reasons and has been receiving treatment from the VA with him being a Vet.

At the time it wasn't known that asbestos was a health risk.

Health issues with a family member? 

I majored in health sciences and got into DPT school and found out it was not for me at all.

Volunteer with Habitat for humanity projects (or similar non-profit rehab programs) and get as much exposure in the community as possible.

To give you idea the national average for Habitat for Humanity for building a home is $65 per sqft and they get all the labor donated for free.You can't build a house cheaper than Habitat, not possible. 

So, they often just make you personally guarantee the loan to the LLC.As your LLC builds cash flow and demonstrates good financial health and management, lenders will consider lending to it without a personal guarantee.I'd consult an attorney in creating the LLC, reviewing loan documents, etc.Good luck.

Humans by very nature are pain avoiders.

As for the appraisal, this is just a weird area that is transitioning from old (60's) to new and the automated appraisal is picking up houses that are listed in as-is, handyman, etc - ie, preflips, along with houses that are well kept, along with houses that have recently been remodeled, and all it can do is "average" the sales price of a 350 and a 650 house whereas a human can differentiate what type of house we have here, so it will definitely increase the HELOC by up to 50k.

@Ben Sears A Global Financial Statement is a snap shot for the bank to take a look at your financial health and the financial health of you businesses.