You are now in a tight spot to finish it all.

if yes, please let me know how to go about this. 

@James HolmesAppreciate you running the numbers—you're off to a solid start!

I understand that and I am perfectly willing to adjust the credit in a few months after learning more about actual usage.The issue comes as the tenant (who has been there only for 2 months, and some of the billing cycles are 2 months) has started to make demands that, to me, are not only unreasonable but petty that are making me guess if I should find a way to cancel their contract.Some of the demands are:- They complained about taking the trash bins out for pickup, as the side unit (a single mom and a baby) use it too - To which I found someone else that does it now for both- Complained about the cost of mowing the grass, as again, other people live in the property - This side unit is in the side of the house and do not share the front lawn - I will not accommodate for that- Complained about a portion of the house being too hot due to bad placement of the central AC vents - To wich I just installed an extra mni split to help cool doenIn addition to this, our contract says they should have put the utilities under their names within 3 days of renting, which they have not (breach of contract).

Any time you take a HELOC, you should only use 50 percent of what is available to you so you don't end up in a shortfall.

I am not sure they'll let you use it if you don't have a license, but it's worth a shot.

Is it better to hand dial 10 per day (all within 2 counties) at 8am for 15 minutes before I need to be at my job?

Having 80 to 90% occupancy makes a big difference.  

The fact that the person who said this was trying to build up cash, shows they are either a rookie or a risk-taker. 

In most cases, the lender was able to use an income projection from one of my local property management partners to underwrite the deal... which is super helpful when you're going after a property that hasn't been rented and thus doesn't have any historical income data.