DM me, and I’ll point you in the right direction!

That doesn't surprise me about NJ, knowing what I do as a person who's lived in the tri-state area for 25+ years, especially since becoming a father and coming to truly appreciate what NJ has to offer offer.

They have never missed a payment to me and I am currently invested with them. 

Apart of me wants to sell.

Since I, too, am in Tampa, DM me and I'll buy you a cup of coffee.

Quote from @Guillermo Perez: Can someone please let me know if this is ok for my first BRRRR.I got a $200k HELOC on my primary residence to help fund my first BRRRR.

Here’s a more polished version of your message:Hello BiggerPockets community,A close friend has been encouraging me to get into real estate investing for years.

Quote from @Marc Zak: In the market where I live (San Diego), appreciation has been strong and many predict it will continue to appreciate in the long term.However, with current interest rates (6% at best) and property tax (2%), the annual cost burden is 8%.Am I correct in saying that appreciation has to be above 8% annually (plus whatever my maintenance and vacancy costs are) for me to make any money in this scenario if the property is cash flow neutral?

If that means renting out part of your residence, that's great for cash flow and experience. 

If you’re interested in discussing this further, please feel free to message me.