I made a quick video explaining my thoughts and comments to help you on your journey! 

Ever since David Greene tool over it just seems it's about pumping out as many videos as possible and not actually providing and quality information.Who is David Greene? 

I would think most landlords, who choose to be landlords in very Tenant friendly San Francisco, would pony up the 5.2% knowing that the rate has gone up and down throughout time, unless they want to run the risk of their tenant's finding out and called out as being a bad landlord, being taken on by the very helpful San Francisco Tenants Union or taken to Small Claims Court.Maybe there is a silver lining in California's recent change in security deposits that limit it to one months rent when it used to be up to 2 month's rent for unfurnished units and up to 3x for furnished units.By the way, I took a look at your Company, https://www.getwhale.co/  Since your firm is only offering 4.2%, were you trying to market in San Fran before discovering the Rent Board rate?

@Joshua DunlapTo make a successful investment property purchase in Texas, set clear investment criteria, choose a suitable strategy, get pre-approved for financing early, build a strong local network, start small for your first investment, plan for worst-case scenarios, and work with a knowledgeable real estate agent.

Rheis,As a banker I struggle to see why most people will choose a Heloc over a cash out refinance.

@Joyce KimHELOC and home equity loan are not the sameEquity line of credit is a line of credit that let’s you withdraw up to specific amount and you can take less and pay interest on what you drawFor example if you had a $50k line of credit you may choose to use $20k of it and it is usually ten years where you can pay it off and draw moreA home equity loan is a second mortgage which is a fixed amount and paid off over a period of timeHELOC is better in my opinion but if you have no income it will be difficult to get approved even with the equity you haveCommon misconception people have is if you have equity you can just take it, that’s not the case the bank also wants to make sure you have the ability to repay it.

There are also some good videos on youtube on how to use it properly.

They read all about investing here on BP - a lot of the content, videos and books were created based on 2015-2020 time frame, and it's not the same anymore.

In my opinion, anything that's not QuickBooks or Xero is just a watered down accounting software.I made a video about this on my YouTube channel, BP isn't letting me share it but PM me and I can send you the link

The biggest challenge I have right now is choosing a company to set up the homes they are all so expensive.