The brother and his son had been living in the house, free of charge, for years, and were gaming the system.

I enjoy college football, video games, and lifting weights. 

It all depends on the work you/your clients want to do to create value and the overall game plan.

I’m all done playing those games.    

It would be good to talk to a lender to make a game plan and review your financials. 

So its a give & take game. 

Keep in mind of the I/O(payments/period) and game plan on how fast you'd like to pay it down. 

We had been to lots of seminars and guru programs looking for a way to get into the real estate game. 

Since most people who are not actively seeking a sale are not motivated to sell at anything other than a top of the line price, this is going to be a numbers game of x thousands of contacts for every potentially doable deal.  

That is an upfront game plan with numbers that should be somewhat fail proof if done correctly.Lastly dont forget that 85% of people who take out a HELOC end up doing a refinance within 3 years to consolidate into one loan.