hi @Alvin TaverasMortgage Broker here, i've been referring clients out to Credit Unions for their HELOCs. we have a handful of lenders that can do them, but i'm finding the juice is not worth the squeeze in the broker/ wholesale world.

Texas, with its strong tech hub and job growth, is worth exploring, but home prices are higher and rent-to-price ratios are often below 0.5%.

Traditional lenders don't care about your savings or net worth; they care about your employment and earnings.3.

It seems quite buggy and perhaps not worth the hassle.

Joshua’s point about local taxes and solo 401(k) options is spot on—it’s worth discussing with your tax advisor for a tailored strategy.

What would your CF look like and would it be worth the extra investment? 

I'm leaning toward the decision to sell, as the expected rewards do not seem worth the risk (or opportunity cost). 

I found a foreclosure listed for auction at $800K but worth $1.5-$1.8M. 

Thanks @JD Martin , That is a good point about are they even worth it especially when you consider the roots.

You need to demonstrate you are worth the risk.If I were to invest in someone else's deal, I would want to see their track record.