Equity and retirement assets wont do anything for DTI unless youre retirement age, have a plan in place to create income via IRA distributions, and have a sufficient balance for the distributions to continue for at least three years. 

I used Citibank for a while which worked but they recently pushed me out with much higher minimum balances and fees so I wouldn’t recommend that now.

Then you have to take responsibility for maintenance.You can rent a comparable home for $3,000 and the landlord handles maintenance.It makes sense to rent for a year or more until prices balance and you can save $1,000 a month towards a down payment in the future.

Consulting with a tax professional and financial advisor to create a comprehensive strategy that balances your real estate ambitions with long-term financial security.Remember, successful real estate investing is about managing risk as much as seeking returns.

Wait patiently for the tenant to buy real estate, then record the judgment in the county where the property is located in order to obtain your lien -- the balance of which has been accruing interest nicely in the interim.Anything else is a waste of resources.

2) With all due respect, teaching math does not prepare you for running a business and producing Real-World spreadsheets, P&L statements and balance sheets.3) Every city has it's gentrifying areas and zip codes.

Depends on market conditions, interest rates, etc.Step 4:  Pay back the principal you originally took out on your SBLOC, bringing your leverage balance on your portfolio back to 0.Step 5:  Repeat.Opinions? 

If you have a 1st lien with a low rate and a sizeable balance outstanding on the property, this strategy may not make sense. 

Balancing fatherhood, managing properties, and owning a restaurant is no small feat – kudos to you for juggling all those responsibilities so well.As a property management company, we appreciate the challenges and rewards of this industry.

So your vision of things, is via a lens you pre-selected to see things in, an "evil" intention vs one where they are trying to avoid the size a universal increase would require, the burden upon everyone, and seeking how to achieve same ends but in a more fair and balanced approach.