An an effective way to use a HELOC would be on a value add/BRRRR deal.

I pay their outrageous subscription fee (I think it's currently $695 but seems to go up annually, clearly they hope hosts move away from it and I am suspicious that my ranking has gone down because I am still on the subscription model) and my effective rate is 3.36% because they charge their 3% on taxes too (which mine are 11%).  

Ask how they handle routine maintenance and emergencies and whether they have established relationships with cost-effective and reliable vendors.By focusing on these critical factors, you’ll be in a solid position to hire a property manager who can take the stress out of managing your rental property while helping you maximize your investment.If anyone has more specific questions, feel free to ask—I am happy to share more detailed advice!

Stop hanging out with your deadbeat buddies who spend all day drinking, talking sports, and otherwise wasting away.

This usually involves using ground-penetrating radar (GPR) to scan for the remains, but there was one small problem—GPR is only effective up to about 15 feet deep.

I have written at length about the case and effects of inflation.

That will help you move forward in the path that best fits your needs and not waste your time pursuing strategies that sound great, but not work for you.

They might not respond to emails for a day or two and when they respond back, there's no transparency in when things will be done.Stay away from them if you don't want to waste your time.

And how much time he DIDN’T waste on deals that Would never come to fruition. 

If there is one you would need to take into consideration the effects of the costs associated with that vs. your new savings via the lower interest rate.