My worst ones had relapsed back into pills, meth, etc.  

Also, each lender can make its own rules regarding HELOCs so there is not a standardized prescription as to what to expect. 

Also major banks JP morgan, goldman sachs,  etc are going to have to set a lot of money to the side additionally every month as they have to have larger and larger reserves to cover unpaid loans pilling up. 

The tyranny of double entry accounting doesn't let this become some magic pill to increase cash flow.

You make money here by following the prescriptions in your email - appreciation and flips. 

I always found that to be a very hard pill to swallow.

I keep telling people that life is marathon, there is no magic pill or get rich quick scheme. 

They can all swallow the pill of having a primary home and a second house (vacation home/seasonal residence) as a mental jump, but beyond that gets tricky, so I tend to just keep the idea to that level.