An internet stranger brought up the very good point that there's literally no reason NOT to have as much HELOC open as possible since the payment on $0 drawn is $0, and there's a lot of family emergencies that can be solved by clicking my mouse 10 times and dumping $50k into my checking account. 

I looked at that one, but the floor was in such terrible shape I just brought the click and lock (expensive) and floated it on the lumpy concrete LOL  It looks beautiful tho. 

Click on the link and explore the docket.

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To clarify, the abbreviations you're using for DMM is direct mail marketing and PPC is paid per click for a landing page right?

Tip #1: Check out events and happenings around you by clicking on the linkTip # 2: How to Use @Mentions on BiggerPocketsTip # 3: Setting up Keyword AlertsTip # 4: 25 Tips for Real Estate SuccessTip # 5: Check out the Start Here pageTip # 6: Check out BiggerPockets Ultimate Beginner's GuideTip #7: VotesTip #8: BP WebinarsTip #9: If you want information on Buy and Hold investing check out the Beginners Guide to Buy and Hold.Good luck and let me know if I can be of assistance.

One of the agents in my office who signed up the day after i did has really clicked with me and we talk a lot and actually realistically help one another. 

On that issue alone, I'm clicking on the X in the upper right.... =)

I suggest clicking on the "Learn" tab on top and going through everything on there.  

For example, I pay $15 per click here in Orlando and Tampa, but my Melbourne office is $5.