Not a huge criticism of you, because we've all made mistakes.FWIW, I would offer a personal and sincere apology to her. 

Can never learn enough from others' experience so please be critical and honest.  

Also, here's the critical thing: For cash flowing properties, purchase price is not the key factor, income and expenses are.

To compare people who have GED's with Harvard educated PhD's and say they are both accredited investors is laughably ridiculous and it shows in the level of critical thinking in your argument. 

I've not done it and my one criticism is the risk of interest rate increases, but if you're contemplating a HELOC anyway, you should probably read up on this a little bit as it may save you even more money.  

Critical thinking...

Happy to share more details for those interested in my situation or want to charitably help me make some critical decisions in the next couple days.Here is Brian's article I'm referring to: https://www.biggerpockets.com/renewsblog/2013/01/2...

.- Roof in critical condition- Lead Pipe for the Water Supply - Mold in Attic/BasementI'm curious to get opinions on the Lead Pipe, but our thinking is that we will just get the water tested.

I found you from searching hardmoneypros and your forum brought some helpful critical advice....

When criticizing people who say "this time it's different", keep in mind that the polar opposite position is "past cycles guarantee future performance (up AND down)", which is an equally ludicrous assertion.