My wife and I own 6 properties with an average of 50% equity.  We have 2 residential properties in high traffic vacation rental destinations that we Airbnb. We own 2 commercial building that we lease out for a profit, and we have a primary residence with no mortgage that we periodically leverage for other investments with a heloc. And then we own a little summer cabin that we don’t want to get rid of. The thought is Selling one of our properties to pay a few other properties off makes sense in the near future, but it doesn’t solve any long term solutions, we would most likely need to buy another in the future to have the extra income to live the life we want in the future.  Plus we have great rates locked in for 30 years. Would a home equity line or a cash out refi make sense to have some cash if the market takes a turn and then we will have some buying power again If a down market comes.  We have built this with good income and good rates and then the housing market increased our values to make it really comfortable, but we don’t have any cash to ride out a correction if the market slows down or decreases.   My real question is do we hold onto everything and just save as much cash as possible or should we do some kind of refi, heloc to grab some cash especially if it’s against a property that has cash flow to cover the additional debt! What advice would you give us?