I am in one of the higher tax brackets and could be saving around 40k~ a year on taxes with this.

Hey all,Does anyone have any personal experience with First Savings Bank and their 1st lien HELOC?  

However, we've found that for the most part, shopping directly with these suppliers will save you so much money.

However, we have found time and time again that 10-20 hours of preparation on the front end can save you 50-60 hours during the renovation.

Or should I wait it out a couple of years until I have a larger amount saved up.

@Aubrey Eblin Thank you very much for sharing your experience with the Rent To Retirement Academy. 

If you don’t have a large down payment saved up, don’t worry—there are plenty of options available . . .”A trusted lender will go over the various loan types with you, any down payment requirements on those, and down payment assistance programs you may qualify for.

You can also tell her to call the utility company about the best way to save, as turning off heat and on is not efficient having to run longer blasting out cold air as opposed to leaving it set at a lower temp. :)

Set clear goals, save for a down payment, and practice analyzing deals to build your confidence.

My ultimate goal is to generate $11K per month cashflow and retire.