@Pace J.

Our cash flow has been on the rise at a good pace since we started investing 3.5 years ago.  

Move at your own pace fine sir, good deals will still be able to be capitalized on when the time is ready.

And the amount extended can be reduced at an accelerated pace by prepaying (actual the only way a heloc balance will go down)., but unlike PMI will not simply drop off once your equity position reaches 20% through any appreciation.I don't think Pmi is bad at all for the right situation.

I get nervous when values get like this...Is the area legitimately growing at a pace that the desired housing supply can't keep up?

I've been saving for over 2 years as I've seen the market climbing at the same pace.

if you like the offer or its close enough to quickly counter, why negatively set the pace of a single formal response per day or give extra time for the buyer to keep refreshing the MLS waiting for one better.It really doesn't matter if it's a sellers or buyers market.  

@Jay HelmsThe most frustrating thing about buy and hold for me is the slower pace.

I say as soon as possible (as I'm sure everyone days) because it would help us move at a faster pace.

If I'd like to try and maintain the pace I'm at, I'll need to source new PML's.