You don’t have to have the servicer totally inked.  

Grease buildup because of normal wear and tear wouldn’t be the tenant’s responsibility.

Refi til you die if you want to build up massive wealth.

My goal is to reach 50 doors in four years thru the brrrr method and know that in order to do this I need to start positioning myself In higher dollar per hour rolls and build up a team to help make this happen.

I like to build up 3-5 months of mortgage plus some money for a decent repair ($2,000 - $5,000). 

You can build up a passive income stream without the hand on work STR or LTR will take.

Honestly, in TEXAS, the only document that this really matters is the wet-ink promissory note. 

Do you want to build up a portfolio of SF homes as rentals?  

The cash is yours to spend as you need to once the ink is dry on the loan papers.Here's a blog post with a video about how a HELOC works: https://www.biggerpockets.com/...

If you end up needing those dollars, you can always pull them back out of the line of credit, but as long as you don't need those dollars, they're going to pay down your principal and interest costs.People use this strategy to pay off houses in as little as three years, and it really works, but if you simply want to use it to build up equity for an investment purchase—which is how I use mine—you can withdraw a huge chunk when a good property comes along and use the equity in your home to buy an investment.