Financing and Payback Question

[Steve Cody]

Hi folks! Here goes...

I have a 100k heloc that I took out on my primary residence to help me finance the down payment for an asset. It's locked for one year at 1.9 percent interest, after which it gets tied to prime. I can also use it as a revolving credit line any time I want, but anything I take out after the lock period, it's at a higher rate tied to .625+prime.

Each year, I can take out up to the 100k, and lock it again at some lowish rate (though, not sure it'll stay as low as 1.9 percent each year, but it should be well below the .625+prime. So, for example, if I have paid off 10k the first year... I can take that back out and owe the whole hundred at the new lowish rate, putting my liability back at 100k.

My question is... I want to keep doing deals and growing my real estate assets. Should I aggressively pay down the heloc, or pay minimum... and SAVE the rest in a bank account (for the purpose of MORE brrrr deals, maintenence, etc).

Does that question make sense?