My credit is over 800, along with a strong financial background, so I am not worried about getting approved.

My credit union needs a 12 month seasoning - I tried. 

I would think it would be difficult for a investor/plaintiff to stand up in court and say that they didn't understand the risks.

and called the selling agent to telling her to tell the seller to return the fridge or give me credit for a new one (they returned the old fridge which I still use). 

To be honest I have only tried local credit unions so far so maybe I need to go one level down from even that.   

If your W2 is your only means of financial security, you are standing on a very rickety bridge. 

I have about 130,000 equity in my house, but honestly my credit isn’t very good so I’m not sure a HELOC is a great idea.

Who's got the most competitive HELOC rates in Central Ohio for someone with excellent credit. 

I assume BP stands for BiggerPockets.

If NYC has the names/addresses of people - then they stand a greater chance of being penalized.From my understanding - NYC has already been penalizing those that the city has been deeming big players in the airbnb business and mostly let go of the small fish.