For him and his nest egg, it’s a drop in the bucket (I would have a heart attack if I had to drop that much up front!).

I had the funds to run this all myself until recently, my mother suffered a massive heart attack and this drained the investment funds. 

It's very possible that you do because I don't know your current situation but if not then maybe take a step back and create a plan of attack rather than going in guns blazing.

I had the funds to run this all myself until recently, my mother suffered a massive heart attack and this drained the investment funds.

As long as you have 20% equity in your primary, the HELOC would give you more spending power, and in the meantime you could use it to attack your principle owed on the current house, reducing your DTI.Check out the WiseGuysInTies video on velocity banking if you want a crash course in using lines of credit to pay down a mortgage fast.

Typically you will score points with all the neighbors for attacking the eyesore in their community - use this time to introduce yourself. 

I also work in IT and wanted to add that many of the attacks that are successful come from spear phishing which is a targeted attack directly at an individual.

Could you give me the address....then you attack those.   

I guess my questions is more around the efficiency of each method, which I guess can also depend on how you attack it.

But dog urine isn't usually that bad, and your first line of attack, painting the subfloor with Kilz, will usually be quite enough.In flips, the stench of pet urine is the smell of money.