But again, this is to pay less when needed not pay it super fast.You also need to be mindful that most HELOCs are variable rates, so you need to be confidant in your cash flow to make sure it's paid on schedule to avoid getting shafted in the future.Lastly, a final benefit to the HELOC is because they only require an interest only payment, that is all they report to the CB.

That does not build confidence in investing in an area no matter how many friendly seals bark at you.Do L.A. and California lose carbon credits for all the noxious smoke?

It’s a solid option if you’re confident about refinancing before the higher rate kicks in or if you want to save more month-to-month early on.Option 2 (3.5% DP, Permanent Buydown): Lower upfront costs free up cash to invest elsewhere, and the 5.4% permanent rate adds predictability.

I realized my confidence was lacking.Around that time, I begin working with an accountability coach and establishing some small goals, embarrassingly small,...5 calls a week.

Yes, if you are confident in your numbers....particularly the repair/reno numbers. $20k is not much and will be eaten up real quick.

I have high confidence in future appreciation, but relying on it is certainly risky. 

Keep researching, asking questions, and connecting with experienced investors here—you’re in the right place to build your knowledge and confidence.

My front is similar with packages delivered most days and being very confident if delivered to the front door that they are very secure.  

I am very confident that my STR PM would be able to evict an STR tenant that over stayed their reservation in less than a day and likely in less than a couple/few hours.  

I used tools like BiggerPockets to analyze deals weekly, and building a reliable team and networking with experienced investors helped me gain confidence.