If your LOC is close to that now, I would't touch it.

I commonly hear that permitting is not an issue unless I am touching plumbing or electrical but just to be safe and avoid any future liabilities, I am trying to understand it is even feasible to get the new rooms/garage permitted for their intended use.3.

ANd no you cant touch it, but you also cant touch your downloaded music and videos, nor the software running on your PC, yet they bring you value and you don't think twice about spending dollars for it.

I suspect this would happen if various parties were given the ability to ask questions in nearly every application for what this thread touches on - and I have major concerns about integrity (and credibility) issues involved in putting yourself in a position to defend this position if ever challenged. 

Keep in touch and let me know what happens!

They allow you to turn credit into wealth while continuing to build and preserve large cash reserves.If your investments never touch your cash, then I’d say you’re doing an amazing job.What do you think?

Everything touches the Balance Sheet and it is the only way to judge if everything is accounted for.

Rates will be 10-13%, depending on the terms.A HELOC can be a good tool to leverage your equity for a down payment without touching your current low-rate mortgage.

I'm experimenting with several small touches to see what impact they have.

If you never touch that money it should be enough for you to retire on at 65 or so.