Many people change oil in their cars themselves.

One more tip – people remember stories that trigger their emotions.

I don't have a good understanding of your desires or what you are seeking.  

I hope that people understand that the only 2 times this strategy will work are:Interest rates between HELOC and 1st are equal and excess cash is being put into mortgage - essentially prepayment.HELOC has lower interest rate, just simple arbitrage.But if people want to pay me 199.95 so I show them how excel works, I'd be happy to take their money.No "hocus pocus" here.

So you can understand why I was blown away to see prices half that or less with rents 1500-1800 in Duluth.

@Andreas Mathews admirable, but make sure you do some research so you understand what a PM can make.Starting your own PMC business will require 75-150 doors to make a decent living, depending on gross rents and your fee structre.Working for a SFR PMC as a PM, will require a RE license and you usually get paid a percentage of the gross rents the portfolio of owners/properties you manage generates.

I also question if they have a good understanding of the effort and risk of residential RE investing.  

I know that I monitor this CT forum since I am from CT and looking to help people be successful in CT.  

If I understand what you're saying correctly, no, it doesn't have any balloon payments.

I see people doing this wrong in Michigan constantly.