Primary home only about half paid off.

While MLS remains the primary platform for on-market deals, the majority of deals I encounter originate from off-market sources, often through wholesale channels.

Either one would be our primary residence, so down payment and closing costs are fairly the same.

Single income (married with kids) and own primary house with $250k+ in equity. 

So, if interest rates are a buyer’s primary roadblock, then I recommend seeking opportunities to negotiate a reduced interest rate from a seller or looking at new construction, where builders are offering rate reductions and other substantial incentives.What if I’m a seller?

I have used both of them in the past for HELOCs on investment properties and the process was pretty straight forward just like taking out a HELOC on a primary residence. 

David,Since you have no mortgage have you thought about doing a cash out refinance on your primary home. 

You don't have a portfolio that warrants adding more debt especially on your primary. 2.

Remember, there are numerous deals available, and although I'm not deeply familiar with the Columbus market, I believe you can find a more favorable opportunity with a positive net return.If your primary objective is passive income, as indicated by this scenario, investing in the S&P may indeed offer a more passive approach.

Is this for a primary residence house hack?