, let me state a few things I clearly understand:1) The reason interest on a loan is saved is because the principle is paid down, not because of some shell game.  4.5% interest in a mortgage = 4.5% interest in a HELOC.2) It is always beneficial (to some extent) to use a HELOC if the interest rate on the HELOC is lower than the mortgage.3) It is not beneficial to use this method if you spend more than you make every month, if so try Dave Ramsey4) Everyone besides me on BP easily earns a 25%+ ROI on new investments that they buy every day without breaking a sweat, even in today's overheated market, so it's dumb to even think about paying down a 4% mortgage.With that out of the way, at this point I believe in the value of the HELOC. 

At the end of the day, the terms need to be mutually beneficial to you both. 

C class and lower areas is only where S8 beneficial and that tenant base can be a headache.

As mentioned by others, I have found local meetups to be very beneficial.

Quote from @Kar Sun: It appears the law requires you to allow them to attend, inspect together, and mutually agree to a list of damages: https://codes.findlaw.com/tn/title-66-property/tn-code-sect-...Print that off and follow it.Make it clear to her that she is not permitted to bring guests.

David Ramsey talks about stocks, mutual funds, etc.. whereas I made my money by being an active investor in real estate.

Apparently AHP requested a mutual accounting firm audit their books as there's a dispute on AHP overpaying their loan.

Do you think a web and mobile platform would be beneficial, or would you prefer using only a web-based platform for this purpose?

That’s where I think being a flipper where I turn 4-10 properties a year could be beneficial.

Partnerships can be beneficial, but they can also present challenges if not structured correctly.