I'm more of a cashflow person, simply due to time horizons.

On the other hand, I don’t want to over-improve since this is a modest-sized apartment and I don’t want the time horizon for my ROI to be too far down the line.

What are your investment goals and time horizon?

Some of that is just a mindset I suppose as I'm 54 and can see retirement on the horizon (hopefully it's not a mirage!

If you plan to transfer the funds as soon as you find a property, that gives a short investment horizon for your Vanguard investments, which limits your investment selection.Another factor to consider is how soon you'll need the cash once a property is identified.

If she were to leave the rent would go to $950 or even a thousand is normal for this complex for that style unit no sign of big assessments on the horizon we the purchaser would pay and Escrow Company or title company to set up an escrow account (I think) that we would pay into the company would pay him the company would keep records who paid who pay the taxes Exedra so then neither party in the future could say that he either didn't get paid for we couldn't say we already paid him.

A mutual fund might hold stocks, bonds, real estate, commodities, futures, options, cash, precious metals, etc.If your time horizon is 2 years or less I do not recommend putting your money into anything other than cash instruments.

I would prefer to be able to simply enjoy teaching without letting finance complicate things.With REI, I am most interested in buying to hold and lease, to establish passive income streams with a long time horizon.

I think the answer depends on the interest rate you would get on your HELOC, and how long you plan to invest that moneyIf the HELOC is less than 3% and your time horizon is at least 10 years, I would make the argument that taking the HELOC is a better idea.

I also would be concerned with the stability of Manitowoc, it has struggled for years, unless you see a change on the horizon, i would be cautious.