My suggestion is to refinance into a blanket loan and pay some of the HELOC back- (I mentioned "some" because it sounds like you purchased property at retail pricing, therefore 25% or more will remain in the property, as 75% loan to value is most likely the max loan amount the lender will offer depending on how strong the cash flow and your credit).   

For me, a person who doesn't have a terribly strong grasp on finance, that's the simplest way that I can understand the difference between a good deal and a mediocre deal.

The penalty for not promptly responding, just for a couple of extra hundred dollars in proceeding to the next stage of default, far outweighs any small monetary gain.

It looks exactly like a net listing, which is illegal in most states and in others, (North Carolina for one) it's legal but strongly discouraged.  

Greatvalue for the money, many of the meetings are geared towards newermembers of the community with a strong emphasis on education.https://reif-jacksonville.com/JaxReif is a group who meets a few times per month run by Deborah.

Greatvalue for the money, many of the meetings are geared towards newermembers of the community with a strong emphasis on education.https://reif-jacksonville.com/JaxReif is a group who meets a few times per month run by Deborah.

My wife and I are strongly considering getting Solar panels put on our primary house in Phoenix, AZ.

Good point though Houston market is strong but again I don't want just the appreciation I do want the passive. 

I searched realtor.com on a regular basis and got strongly familiar with my area and market.

I would strongly advise you to tread lightly on the down payment assistance program - FHA or Mass Housing.