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.