The extremely proper English is due to describing math equations and needing to be precise.

Here's some basic math. 

Yes, it's possible that I might of done the math wrong. 

The math behind is like this 175k loan is roughly mortgage payment of 1408 per month ( This is with 9% interest rate, DSCR tend to be 1-2% higher ) + insurance and Taxes.

Also, to give you an idea of how the math works here is an example based on your home's values:If the lender lends up to 80% of the home's value, the maximum loan amount based on 80% LTV would be $392,000 = ($490,000 * 0.80).With your existing mortgage balance of $390,000, the remaining available equity for the HELOC would be $2,000 = ($392,000 - $390,000).Hope this helps!

I do appreciate that every REI property is different and have used many of the existing calculators to do the math, including Rent to Retirement (leaning towards using them) and that it is not easy to get instant thousands per month in cash flow.

Lastly area of 1 mil to 2 mil homes and you bought it for 7k.. my first hunch is something is potentially really wrong with it.. normally lots in those types of areas would sell well north of 100k if your building 1 to 2 mil homes.. thats how the math generally works to back into land values.

They put a immense amount if pressure for you to complete a subjective homework assignment so they can ultimately get you to pay $25,000 the day of the call.

Maybe I think a little differently than the folks here... for me it is just a simple math equation.What would your payment be if you took out the $250k?

But the math is valid and for most people the stock market is in fact the better investment.