Just like politics nowadays.... you aren’t going to change anyone’s mind.... the math is the math. and you can dance around it and rationalize yourself to believe some form of alternate math as much as you want..... if YOU believe it works, then fine... run with it.... knock yourself out.....As Joe pointed out.... the math between the 2 strategies is very close.... but the effort, discipline and logistics don’t make it worth it.... all it takes is a small bump in the interest rate on the HELOC.... or the bank to call or freeze the HELOC (you know the bank can do that at any time right?)

Nowadays it little harder to find good deals on MLS when you are looking for properties in Rochester.

Actually, this is not the common story of nowadays.

A pool would put it over the top (Captain Obvious here, I know lol) but not sure what the cost for that is nowadays. 

I think there are even some electronic ones that you can do nowadays.  

There are a lot of technologies that exist nowadays that can help i.e.

Nowadays it's on computer where you search for the files, and they charge you for copies you need.I also hired "expeditors" and architects to pull and analyze files for me.

They are built on top of piers, with the flooring truss system on top and the home gets erected from there.

It seems like a lot to ask nowadays for the equivalent of 3 times rent upfront.

Of course these regulations are evolving so rapidly nowadays, so yesterday's information may not be todays.