I did a live in flip but hind sight I would have done better with a MF3) Use the excess money to snag a couple dealsCan't change the past, if we all had a crystal ball it would make life amazing.

You should only consider switching when your current software has a significant flaw or lacks features that force you to spend excessive time on workarounds.

I have this theory that basically the stock market can grow faster than the fundamentals more so than housing, reason being when people put money into their 401k or whatever they are just throwing money in, not looking at p/e or whatever, the stock market is in part just an index of Americans excess savings plus it’s a unstated policy of the government that stocks go up, where as housing people are obviously very very aware of how much thier monthly payments is/ how much rent is, plus it seems that is actually a push to lower housing prices at least relative to inflation.

But there are things you need to consider, like: everyone has to follow house rules to avoid drama, excessive use of kitchen and bathrooms leading to plumbing issues, being on call 24/7 with any problems, etc.

In some far left localities you are seeing rules that are very much in excess (less restrictive - Wild West) of the state rules.  

Is it your actual savings or was this saved to invest, because there's no such thing as "excess" cash. 

Is that excessive?

I'm interested in everyone's opinions on using a HELOC to purchase turn-key rentals for the short term and covering principal paydown across all new mortgages / loans ( HELOC ) through excess income. 

No offense, but to me the excessive formality and pleasantries feel like there's something you're trying to make up for.

But if they use it to excess, then the electric bill will be much higher than anticipated and if that month of high electric comes during a time that the tenant is facing hard times, they are more inclined to pay for their heating than their rent.