That's about as much leverage as I want anyway.As far as HELOC's go, I'm assuming that most people want to lock up long term fixed rate loans, not have a ton of floating rate debt at whatever point the worlds' lenders ascertain that the future US govt cash flows available to somehow repay the spiraling debt and unfunded liabilities (a mere $100T or $1M per household), are woefully and absurdly inadequate.

Interest rates have some effect or influence, but there are a number of other factors (unemployment, economic outlook, population growth, household creation/consolidation, consumer confidence, tax codes, etc.) that are more powerful in determining housing prices.

I annualize my expected income and add in a 8-12% vacancy rate (average for US households).

While this seems like a comprehensive list, it isn't complete and misses a significant factor.

Ok I'm sorry but I still need help.So I went to listsource, which is a very comprehensive site, and went to the Absentee Owners section and got a list for my area code, did 100 hits and it only costs about $14.

Our household income is between $160k - $175k annually and our credit is good.

.*)CONSUMER LOANS DEFINED: Loans to consumers (natural persons) that are for personal, family or household use.* NMLS does not require that an originator have an NMLS endorsement to originate NON-CONSUMER loans secured by a 1-4 family residence.

After that, I transfer an amount to my joint checking for household bills.

Just email us with your complete contact information and request it.You can also obtain a free copy of the industry white paper by either asking your state association or emailing us for a copy of this comprehensive report.

Steve Babiak I did a little research before making it, nothing comprehensive.