For an extra 800/m (this is a random number)It usually isnt worth it.The investors who have the best success do the following things:1.

Then you could house hack to make extra money for your next down payment. 

If you're 25 or 35 and that monthly rent check gives you an extra vacation a year for the rest of your life, that might be fun too.Good luck and congratulations for being in the path of progress I guess.

If you need to earn more figure out what to do.

The extra cost is typically well worth the benefit. 

That would mean the extra 5k would technically come out of my pocket, right? 

Remember to always budget 10-25% (depending on age/condition) extra as a buffer.

. :)   I'll likely do the HELOC and not worry about the extra taxes on gains over $500k when I finally do sell someday. 

I don’t want to underutilize the equity on this property so I feel like taking out 100 grand on our Primary where the rates suck already and it will only cost me an extra 600 or 700 bucks a month. 

Worst case deposit money at each bank and earn.