Hey John, if your priority is security paying off the mortgage in 5-6 years would give you a solid $4K/month net.Alternatively, you could use the HELOC to acquire a few rentals, likely in out of state cash flow markets with strong price to rent ratio.

Liability Protection: Transferring to an LLC provides asset protection but may not always be worth the hassle or cost.Next Steps: Review your loan agreements, consult your lender, and get advice from a real estate attorney and tax pro to ensure everything’s compliant and beneficial.

The pricing for Real Estate is way out of whack due to no supply so everything is over priced right now and not sure if worth the house hack. 

Growth can kill a business just as quickly as poor cash flow. 

That being said, it can be the most satisfying and cash-flow-positive business around. 

If you are in the Wilkes-Barre/Scranton market, you used to be able to get duplexes for $50k to $100k and make it cash flow quickly.

A DSCR refinance can also allow you to take some cash out if you want to use it to put down on another investment property and when you close simply close in an LLC.  

Purchase price: $68,000 Cash invested: $70,000 Sale price: $195,000 I purchased a long-term rental property from the MLS that had multiple contractor issues and significant delays.

There are some fantastic cash-flowing properties in the area, especially in emerging neighborhoods.

Purchase price: $990,000 Cash invested: $350,000 Purchased this home with my former partner back in 2018 and we put 200k down.