The other is my personal residence that I have about 25-30% equity in and am thinking about taking a small HELOC against.The stock market has been on quite a volatile ride lately and my portfolio has done well since I grabbed some more ETFs at the bottom a few months ago.

Obviously those investments are susceptible to market volatility, but being young I have no problem taking on that risk now, and I could always dip into that money if I really needed to. 

The problem becomes what happens when they go to underwriting in a highly volatile time.My personal opinion is that as credit starts to tighten and the effects of the unemployment spike start to seep into the market you’ll start to see that drag on the market.