I want to access the equity in my home for other cash flowing assets w/goals of maximizing the spread btwn the interest I'm paying on the HELOC and the interest I'm earning on the asset.One major downside is most HELOCs are adjustable rate, and I'm certain rates will be increasing even more in the near future, so finding a bank that has a rate-lock option is my hedge.I've looked into this strategy a lot, seen the comparison numbers, and am still looking into different utilization strategies. 

The tax deduction is limited to 30% of your adjusted gross income.

Just because you chose to adjust your price doesn't mean it's immediately worth less.

@Kaitlyn AragonHey Kaitlyn, I see you're adjusting your strategy...

If you proceed without any adjustments, the following will be true: - 50% of your potential depreciation recapture will be recognized immediately and become taxable in the year of sale

Their adjuster is reviewing the papers!

DSCR can be fixed rate or adjustable.

If someone has a general grasp of such matters or can be brought up to speed quickly, I might take them to the range, let them hold the Uzi while my hand is firmly grasping it at all times to teach them how to use it.  

It's essential to evaluate each deal individually, considering factors like your specific market, property condition, and your own risk tolerance.Here's a quick summary of what you might do:70% Rule: Use this as your initial benchmark to assess deals, especially if you're looking at traditional financing with 70% LTV as a goal. 75% Rule: When you have access to lenders offering DSCR loans at 75% LTV, adjust your analysis to match this new lending option.

The HELOC will likely be variable rate (mine has adjusted from less than 4% to 10%}.