I really like the points benefit I get from those credit cards (i.e.

After saving for years and being priced out of nearly all of our favorite neighborhoods here in the northeast, we decided to give up the American Dream of being house poor the rest of our lives and get into real estate.

NICE GUY" and if necessary, you can and will take different routes. maybe offer $50 gift card for the inconvenience and keep things in good term but you should stay firm and sound more entitled. 

Maybe that challenge would make the investing journey seem more "fun" but you are in a position that sooooo many people dream of. 

A simple explanation is DSCR is to finance the property based on the income or projected income of the property and a HELOC is like a credit card that will be given to you base of the equity of the house you are putting as collateral. 2 diffrent products consulting with a good mortgage broker that will provide you the information depending on your needs.

His family says he has money and they have his debit card and want to pay back two months… doesn’t sound legal.

Quote from @Arina Alexiuc:  My BIG dream is to build a portfolio big enough so that we can replace our current income and retire comfortably (dream big they say, right ;)?)

It's a side hustle started aside of my employee job and I feel that this is my best plan to pay my 4 kids college starting in 2027 and secure my dream retirement in about 10 years.

It's no different than a credit card in my mind.

I'm hoping to leave the corporate world as soon as possible to pursue building my dream.