But just like people simulation stock trade, would be cool to hear what people think! 

Here are the links to the calculators I utilized to simulate these hypothetical scenarios.

The greatest help to me was using the resources available from you school, that simulate test questions. 

Take a mortgage and line of credit calculator and you can simulate how you can pay down your mortgage with the line of credit and then paying back your line of credit.

I simulate the situation by pushing the tank back with my hand and flush it.

Simulate paying the same amount (let's say $3,000) each month toward just your mortgage vs. funneling it through a HELOC.

I have been trying to simulate different scenarios by buying property with 20% down and none of them show a positive or not even close to be breakeven.I'm willing to invest in different states but all this is new to me and it's complicated.Thank you.

Those assignments are designed to simulate real-world scenarios and challenges you might face in your own real estate investing journey.

A Banker/Loan officer can also run a "What is simulator" or "Way Finder" to try and see what more can be done without having to pay a debt settlement company.

It appears @Todd Rasmussen is correct, when you run a credit score simulation and you add a new heloc as a mortgage and increase your credit capacity as well in tandom, you're score does not drop the way I had seen it when I had run the heloc as a simple credit card before in previous simulations.