Cash Out Refi or leave the equity in for a Heloc?

[Daniel Porter]

I’m going into my first refi and I can’t decide between whether to take out as much cash as possible, so I can be cash heavy into this pending crash (allegedly), or if i should leave the equity in there, bump my cashflow every month by about 40% (I’m going from a 7.5% interest loan to a 3.2%), and then use that equity for a Heloc to do the next deal.