Quote from @Christie Gahan: Quote from @Chris Seveney: Quote from @Bruce Woodruff: Quote from @Henry Clark: Was out discing ground up this afternoon to plant oats tomorrow.  

If it's a personal deal, the E&O at closing is $350. 

But even if you only wanted to pay your mortgage off faster and not invest, it works as long as you are disciplined, don't increase your expenses w/o at least a corresponding increase in income and basically use the HELOC as your checking account.

Quote from @Stetson Oates: Quote from @Alexandra E Hartman: Ya this has been exactly what I've been mulling on. 

My husband and I started bran new business seeking to begin flipping SF properties in the Houston area.

we eventually refied after only 9 months with a significant noi increase through fannie becoming cash on cash plus a sizeable non taxable event along with 5 years i/o at a very low rate which allows for a healthy cash flow

@Wilson Jingundefined @Alphonso Oates @Sean McDonnell

I spent many a month trying to figure out new ways to enjoy ramen and oat meal because that was all I could afford.

You're feeling your oats and lashing out. 

Hi James A Oates Jr , and welcome to the BP community!