New Hampshire only licenses certain trades like plumbing and electrical.

For an emergency fund, the HELOC on primary is really useful.  

But, when there is an emergency you are sure glad that you have been paying all of those years.

I'd discuss if I have a spare key for emergency access.  

For those of us who depend on trades & services people, I seem to be more disillusioned as the rents are not keeping pace with the expenses.

This is an emerging market for sure. 

You need a bucket of cash for reserves, emergency repairs, or leverage to find/buy/create a good deal.

If you day-trade or read the tea leaves for hot stock tips or play the ponies or simply put your money in index funds, do any of these things occupy your interest like real estate?

Consider emerging suburbs, transit-oriented areas, and revitalization zones.

I was recently featured on Financial Gravity Episode 131 and talked with TAX MASTER and owner of publicly traded financial management company Financial Gravity - John Pollock on High End Asset Protection and tax mitigation strategies.