Life changes have me looking to vacate the upper floor for my own living. 

It may seem like my number seems high but the cap ex on the kitchen alone with 15 year life is approaching $100/month.

His class and group is life altering (says the person who signed up 24 hours ago and has never done a real estate deal). 

It is still repairable but would cost 800-1000 to repair, and probably has 3 years of life on it according to the inspector and roofers.3.

Investing is optional and is supposed to make life better.

You can usually get this for the project's life then switch back to renters/normal if needed.

Some people don't have financial situation, nor have the bookkeeping to track or maintain it.Again, I personally find it very stressful just thinking about living that way for the life of the loan keeping the lowest daily balance possible. 

I worry about you putting too much of your life into one investment given you're limitations on income/working situation anyway.In general expensive primary residences do not make the best rental properties. 

But they are also looking for clients for life IE they want all your banking all your CC if you use those things.. your retirements accounts etc etc..

My goals would be to increase monthly cash flow and have more access to the property's equity for things like Cap Ex, etc....Here's a blurb from a lender's website:"By combining banking functionality with home financing into one dynamic instrument, borrowers are able to save tens of thousands of dollars and years off their loan""Designed after popular programs around the world, the All In One First Lien HELOC is the nation’s first transactional offset type-mortgage program.Home financing and banking combined:Deposits lower your loan’s principalFunds remain available for expensesInterest is calculated on the average daily balanceThis lowers the monthly interest paymentsTens of thousands of dollars can be saved over the life of the loanMortgage freedom can be achieved in half the time or less