Chest pain(with and without exercise)and shortness of breath stress,echo,3ekg,heart monitor,and blood test all normal(low hdl)worried, what is this?

Non cardiac: Sounds like you have had an extensive cardiac with, and so this is unlikely the cause. Many other possibilities including but not limited to: reactive airway disease/asthma, esophageal spasm/ reflux disease/ulcer disease, anxiety/panic disorder. A thorough exam, particularly when you are having your symptoms would usually shed light on the cause.