I'm a more seasoned investor so I won't just write off the appraisal. 

Using HELOCs or IBC to pay off debt (simple vs amortized debt) method is effective, yet investing in assets such as rental properties or syndications might be a more strategic use of available funds than debt repayment.

I admire that you've handled most of the filings yourself, but I’d prefer to take a more hands-off approach.

But i will continue to help, support and be here for all of our clients.Thank you @Wagner NolascoThis whole deal started with me asking about B2RDirect's reputation, and as we all can see, it has become a more extensive discussion and concern of other investors who are in contact with you.

They can offer a more hands-off approach while you get your feet wet.

However, it requires a long-term approach and more responsibilities than stocks, making it a more diversified portfolio.Good luck!

Then you can read a more in-depth book like The Book On Rental Property Investing by Brandon Turner or The Unofficial Guide to Real Estate Investing by Spencer Strauss.2.

If I have a property well below market, I would offer a more agressive rate to try to bring it up to market asap.

Then MAYBE you'll have enough income to lice off your rentals.Again, a more likely timeliine for this is around 10 years or more.Good luck!

Quote from @Michael K Gallagher: we've generally seen a more balanced market here in central OH.