Our mental model is to have enough that someone arriving late could put together a bare bones meal for dinner and have the essentials for breakfast before they head out to get actual groceries. 

I disagree with your sentiment about a bull market correlating to my genius I just manage risk properly with a model I have ran for years and in the past month / month and a half have made almost another 100,000.

His model is the exact opposite of what most gurus teach. 

Are you going to live there also, or do you want to operate a shared housing model in a single-family home with tenants?

I have three right now that its time to get rid of as they do not fit our model nor do I want to take the time to continue to manage these (even with a PM).

This models BOTH the HELOC and the loan at the same time.

The contract must contain:the contractor’s name, address and telephone numberthe approximate start and completion date, including any contingencies that would change the completion datea description of the work to be performed and the materials to be provided to the consumer, including make; model number or any other identifying information; and the agreed-upon price for the work and materialsa notice advising you that you have three business days to cancel the contract, unless during an emergency you waive the right in writinga notice that all payments received by the contractor prior to completion of the contract work must be deposited in an escrow account

Most jurisdictions have adopted ABA Model Rule 7.3 which makes it an ethical violation.As for the reason some clients want CPA's who have real estate investments themselves, CPA's can be experts in all kinds of things but not in all things.

The goal is to determine whether the government accurately adjusts DoD Basic Allowance for Housing (BAH) rates and to develop a predictive model to calculate possible future BAH rates for specific locations.We have pulled rental data from Zillow and historical BAH rates from the DoD.

To clarify, my banking model for the Series is to hold accounts for each series member.