As @Chris Seveney mentioned there is not really enough equity in house 3 to get a meaningful LOC. even if you were able to leverage enough to pay off House 2 the new rate you would be paying would be higher than the existing mortgage, so you would still be behind overall.Your ROI on those payoffs vs keeping money in index funds is not very good either.Lastly, remember that cash flow from rentals can seem good until it’s not.

Remember when I said all it requires is to not get greedy; some would see this and obsess on being at "only" 40% ownership now and completely ignore the fact of how all that math plays out in this. 

I only ask because I work with a few different builders that have 2-4 units in growing markets.

Great tools that get updated regularly.I am on the lending side of things and would be happy to hop on a call with you anytime to discuss financial strategies and help answer any questions you may have about nearly any loan product available to help you on your journey, even if they are not products my capital partners offer.We are all here to help you learn and grow.

Have a system in place already if you ever grow bigger or expand, don't have to change it later or figure it out later. 

Hey BiggerPockets Family,
I’m thrilled to finally be joining this amazing community after spending some time exploring the forums and listening to the podcasts. My name is Greg Cubitt, and I’m based in Syracuse, New ...

Boise continues to grow so, this excess supply of rentals will be absorbed over time.

Congrats on growing your portfolio so quickly—that’s amazing progress in just a couple of years!

It's very sprawled out, it's a bunch of different pockets and growing suburbs.It's an excellent area, enough to where I'm heavily invested in it.

Personally I am looking to grow in RE and buy a 2nd home in LA/SD and eventually buy a multifamily complex.