@Sam Boateng- what are the indexes and margins that these 2 HELOC lenders are using ? 

I was thinking of opening a brokage account and investing in Index Funds.

Or buy an index fund with no leverage and let the magic of compound interest do its thing.4.

If I decide to invest in say a SFR and for some reason none of the 3,262,000 SFR on the market can a deal be made with, I can invest my money in commercial property, real estate syndications, REITs, real estate notes, real estate note funds, money market funds, index equity stock funds, bonds, and about 10 million other investments, to obtain the ROI I seek.A benefit of making an offer good (or GREAT) for you and not worrying about what the seller wants or needs (at least in your initial offer) is that if you get a quick “no” you can move on to the next deal without wasting a month negotiating a deal that has no chance to close.  

I'd like to add 2-3 more properties and then stop with the rest just going toward after tax index funds.

The latest Realtors Confidence Index showed a decline in the % of homes sold above list price (29% in June → 24% in July), the number of offers per sale (2.9 → 2.7), and the number of homes sold in less than a month (65% → 62%).

A lot of people who played the 2-1 buydown game in 2022 are learning this the hard way right now as their rates are going fully-indexed and theyre not able to refi.

Taking on deals like this that decrease wealth, such as low return high upfront cost whole life insurance, paying 19% interest on credit card debt, paying 2% annually to have a “wealth advisor” place your money in Vanguard Index Funds, paying for a high cost mortgage because you’re credit is bad, and “debt consolidation” programs are all reasons adding up to why many people can’t achieve financial independence and remain dependent on working every day to live paycheck to paycheck.There is a chance that in a particular circumstance any of these, including the program offer you describe, can be beneficial in certain specific cases.  

- Michael Saylor wants me to buy bitcoin, JL Collins wants me to buy index funds, etc. 

I still have about  $20K in savings (in stocks and indexes) and am continuing to save while I consider my options.