I want to get rid of the greedy HELOC that keeps going up and just refi into a regular loan, to save on monthly costs. 

I know first hand that we do almost all of the work from searchibg and getting the deals, nogotiating the deal and then selling it again to the buyers only to sometimes put up our own money for earnest money for the deal to fall thru.Posts like this disheartens me because of the separation but there is enough money for everyone in real estate for so many to be greedy and selfish.Yes this is MY opinion!

Groucho had a reputation of being wealthy and was asked about it afterwards by one of the floor traders.The SETUP: Trader: "Groucho, where do you invest your money?"

On the other hand there are those who think they are broke because their employees are greedy and don't pay them enough.

Building wealth is a long-term greedy endeavor and those who have been around the block will tell you that death, divorce, harsh recessions, random life events and all manner of things can derail your success and you have little or no control over many of these things. 

I can see where if you are a renter or potential tenant coming into that situation where you may then question if the landlord is trying to be greedy now then whats to keep them from raising rent in the middle of the lease?

THAT'S greedy!

As a stock trader it would have been unheard of and impossible to have traded without a broker.

I am just way to greedy to let someone else make the lion's share of the profit for doing the easy part.

Hedge Funds do not like to get their hands dirty, they are not business operators they are skimmers and traders.