That said, I personally have a HELOC at Horizon Bank. 

My job is also driving me towards an early death - or a 25 to life for aggravated manslaughter because  I'm so fed up at this point. but I may have pending health problems on the horizon, and not having health insurance is scary =(

A little about myself: I have a full time job in healthcare and am looking to broaden my horizons and learn about RE investing.  

Michael Boscarino – BoscoLoansRadmila Khamzina – Northeast FinancialKit Crowne - Right Trac Financial GroupJohn Krause – Horizon Home MortgageI'm not allowed to post emails or phone numbers here due to forum rules, but I can send you a DM or you can find them on google if you'd like.

Every situation is different based on goals and time horizons, structured properly you should be able to get around 90% of your money into the cash value right away. 

If you are considering a PM open up your horizon's and look west, way west to Alberta.

I would look for slower appreciation or a pause in appreciation in the near future but over a 10 or 15 year horizon odds are good that you will come out strong.

Anyway, not much success in this area, but I am still pursuing that area, but now I am also trying to broaden my horizon with real estate investing, but starting out small with wholesaling.

Do you have such a long horizon?

How long is your time horizon?