I don't love taking HELOCS to burn, but if you have 500k in equity, you can safely use up to 250k to buy another property and probably get one that cash flows well by not living there.

In the case of a successful tort against you, you might regret commingling funds in a single bank account, but I can't see how keeping them consistently separated would ever burn you, even if it is a bit less convenient.  

So when that TARP 2.0 comes, it will be directed to the big banking entity/ J.P. to "save the commercial financing world", to "create liquidity" which is a giant smoke and mirror trick because that TARP 2.0 is just added profits, the asset's are coming back liquid already, it's the LP's and regional bank and the regional bank investors who get burned, bad. 

I had an investment property that burned down recently.  

I've been burned by this once before, but it's just less stress on me with this informal policy.

Now it used to be if you got a job with the government and could count on a fat pension then life could be good and with a few rentals excellent.

I have seen so many investors get burned.

Electric, I have no idea…I don’t want to turn on the utilities, leave for the night and the place is either burned to the ground or flood.

Central Birmingham has a lot of boarded up/burned down homes throughout the area which are deterrents for the rental side.

Fire can burn it down any moment, and we see fires way too much there.