Thanks a lot, @Harry Gamble.

Its completely a gamble. 

Most people ignore this and gamble away.The pros are this is a time when money is liquid and values are high - better to get it now. 

Trying to refinance your 15 year loan after 1.5-2 years is a gamble at this stage in the market. 

No money down deals depend on you over paying for a property or overleveraging yourself in a hopefully short gamble.

IF you do not then save until you do.What I write about is perhaps a less known approach where everyone has been used to just doing a cash out refi or adding a HELOC to their personal residence for quick cash and taking their chances to be successful while adding more debt to their personal residence that should be protected and not gambled on.

@John Williams insurance and warranties always favor the "house" just like gambling.

I work too hard for my money to gamble it and I’ve seen proof of concept play out with my real estate rentals .

Should we stay in our current home (and gamble that its value won’t take a significant hit if there is a recession) and just access our equity via a HELOC for investments?

Should we stay in our current home (and gamble that its value won’t take a significant hit if there is a recession) and just access our equity via a HELOC for investments?