Interesting thought but rates are already going down as the 10 year yield decreases.

It's decreasing as time goes on, and the sell side is too stubborn to acknowledge it.So patience is my creativity, and uniqueness.

Since HELOCs have a variable rate, you’re banking on rates staying the same or decreasing.

Should I wait until I can put 20% down on a property to decrease the monthly mortgage payment?

I would love to keep it as a rental but at this time I think it would take too long for the rent values to increase enough to make sense Worst case scenario is I have to hold the home for an extended period if the market decreases short term. 

There was one month where an adjustment to 2017 Illinois taxes decreased my disbursement a bit. 

You can find higher ROI (on paper) here and probably in other cities…but the probability of actually collecting rent significantly decreases.

If the husband defaults on the loan, it could affect the household's financial situation, potentially leading to missed payments on other obligations or a decrease in property value, which might influence her credit indirectly.3.

There are very few places where you can still get anywhere near the 1% rule, and in Omaha you really don't have to look that hard to find those opportunities in droves.Not to get too into the weeds, but I have a thesis that the Midwest as a whole will begin to outperform the coastal and southernmost cities as time goes on-- primarily driven by increasing COL & decreasing QOL in said coastal urban cities. 

I don’t want my wife to be on anything to decrease the amount of paperwork and such she needs to sign.