First the Refi, then the HELOC.I admittedly stole this idea from Gary Keller's "the ONE thing".  

.... one more book I wanted to mention that's not offered here on BP is the book "The Millionaire Real Estate Investor", by Gary Keller.  

Millionaire Real Estate Investor - Keller.

As a newbie/student, of the whole REI thing my self, I would recommend the Millionaire Real Estate Investor, by Gary Keller.

Hey Peter,There are few reputable companies that you can look into like Keller Williams, Weichert realtors, and Remaxx.Good Luck!

It seems apparent to me that actually using it to pay down debt is counter productive, until you're ready to refinance if that's your objective.It makes more sense to me to save the cash flow (true cash flow, not vacancy/maint expense savings) in a stockpile to use it when an opportunity comes along, whether that looks like a new property or an opportunity to improve either financially or physically the existing state of a income producing property.The opportunity cost of something else coming a long is probably what I'm skirting around, but in my mind it makes sense to bring in a respect for time and opportunity to the equation.I also feel like something I extrapolated from Gary Keller's Millionaire Real Estate Investor is worth sharing for anyone reading for nuggets.  

I would also recommend 'The Millionaire Real Estate Investor' by Gary Keller. 

Please help.Eboni Taylor Keller Williams Realty 

Many of the people that bought my smaller homes in the hundred thousand range were Chinese buyers so I am very familiar with working satisfying their needs.Eboni Taylor Keller Williams Realty 832-453-7440 [email protected] 

@Shandi Keller my suggestion is always, to use the search feature to locate people in your zip code.