@Charlie Johnson it sounds to me like you need to really define what your goals are and how you are willing to get there.

Likewise the heloc method 'works', but only if we use that previously defined definition that any loan technically 'works' if you throw enough money at it, because just like the credit card example, or the predatory lending example, your heloc WILL cost more money.The heloc process is a scam because people claim that it works better than other methods, which it certainly does not. 

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These items help to define roles. 

Will definately utilize a fee office going forth/when possible.

Though I don't know much experience in the Real estate but have enough experience of how to bring Real Estate fraudulent to justice :)I know Real estate requires lots of patience and learning and what I believe is you learn while you make your hand dirty business.What I am looking for is to invest 100k in Multi home/ duplex/ triplex/4plex/apartments for cashflow through partnership and slowly build my knowledge in real estate Amit, could you better define what you see as being your "ideal" partnership structure?

As others mentioned, if I were you, I'd make sure my goals were well defined so I could make sure my strategy was helping me get there.

@Charles Jackson it is not exclusive to USA and it's a term that loosely defines when you purchase a home (typically a first time home buyer but not always) ... and you rent part of it out so you're covering part if not all of your mortgage. 

I don't think using the personal fund is the issue here.I don't know what you are selling your current house for, but $60k gain (and I don't know how you define "gain."

Why is it important to define your asset class when you are investing?