Also happy to share my opinions on in-laws, making great pizza, and my NY Giants, (ugh). 

If a by-pass trust you are going to jump through giant hoops of disclosure that will require the trustees to show the income continues.

I've seen typical numbers of 1%-2% higher than your current rate.What HELOCs are designed for is to be a giant credit card.

Columbus has witnessed remarkable growth in recent years, largely attributed to the presence of tech giants such as Intel (with a $20 billion investment), Meta, Amazon, and Google, all of which have established warehouses and data centers in the area.

That’s when Wall Street, the pension funds, and many insurance companies entered the field, providing wholesale money to most of the mega-giant P/HMLs you might have spoken to.

However, I feel it behooves us to make sure our membership and families aren't saddled with a giant "what do we do now" should anything happen down the road.

Mine was learning a ton from a giant failure.  

Columbus has experienced so much growth for the past few years, partly due to the influx of tech giants like Intel ($20 billion), Meta, Amazon, and Google building warehouses and data centers in the area, which has contributed to an increase in property prices and more people moving into the city for job opportunities.

Do you know what the forums would look like if every Tom, Dick, and Harry were allowed to advertise their deals, training, or services?  

And like you said, not enough $$$ to make a giant stink about.It sounds a lot like some things I've seen around here but without the flip/exit planned...