It may not be the best option for you or for many, but it may be a good option for others. 

You don't have to use all 600K, but I wanted to give you another option of what it possible. 12% returns with no headaches should be a part of everyone's portfolio. 

near 0% and 0% options with DPA's exist (down payment assistance) programs.

Lots of options for making espresso drinks.We have had a Breville in our primary home for over 10 years with zero issues.

This has worked for me numerous times over the years.  

As for getting a HELOC, it's prime + index (fluctuates based on the market), so to answer your question, if you are able to qualify by yourself, then it's always a better option to get a loan solo, then use your spouse's income as a backup for future investments. 

I did not invest because of that so no reason to file anything for me but probably good advice for anyone considering but my guess is that its not an option either. 

I'll add that for the cash option, you'd need 8-10% cap rate properties which, even in the Midwest, will likely be older Class C/B- product where there is greater risk of higher maintenance and delinquencies versus newer/nicer builds.

I definitely prefer this option as the whole point is to get built-in equity.

Im happy to send you some options