I have "Rental Property Investing" sitting in my cart but was waiting to pull the trigger until I added a few more things.

I agree Don and in my earlier days in Northern CA brokerage activity it was common for listing agent to take less than selling agent.. when I moved North to OR WA it was the opposite listing agent would take a larger cut and they would justify it saying they did that because they had to pay for advertising and marketing etc..

Have a small (less than 1000sq ft) house under contract now, closing soon and can't wait to get to work on it!

The trick here is to get a signed deed and wait to file it.

Can't wait to see you grow!

I recently moved to South SLO County and am getting the lay of the land.

I cannot wait for you to visit there

If I were you I would want to wait, 3-6 months to refinance my primary, as its a given that the interest rates will be lower in 6 months.Depending on your interest rates from your 1st mortgage and 2nd heloc, you can turn your Heloc into an amortizing loan by making payments on it every month. 

I have a white paper about it from my IRA custodian that lays it out pretty clearly, I could send it your way if you shoot me a message with your email.

So right now its over built with way to much inventory and now prices are falling HARD wait. your saying home prices can go down?