But I now see it is only considered a cash-out if there was never a lien on the property in the first place.I greatly appreciate your patience in taking the time to answer my novice questions. 

They didn’t have to break the door thankfully but they had to break my $200 touchscreen lock and then sent me a 300+ locksmith bill as well as a 900+ junk removal bill although there were no furniture left in the unit and the junk removal people only removed left over food from the fridge and the freezer!!!

Download a spending tracker.When I wanted to lose weight I downloaded a food tracker.

@KarlB- That's also another way of looking at it...good food for thought.

Great guest and food for thought. 

They also do not work in a timely fashion so if it’s a rental that could be a problemJust food for thoughtFor us what we make sure we do is service and maintain our equipment like hvac and appliances which often leads to longer life spans

My hammer is for cracking open nuts, not remodeling.Just food for thought....

Recently its down to 4.82%, so if we keep in mind our margin or the fixed portion the lenders add on top of the index to come up with your daily rate calculation is going to be as follows:4.82% + 3.75% (example margin for AIO) = 8.57% so we'll round it up to the nearest .125% which should be 8.50% interest only.Given that prime is 8.50% already and there is a margin on top of Prime for most HELOC's out there from .25-3.00% your traditional HELOC would be much higher rate than your comparable AIO loan comparatively.So just some food for thought.

Some specific examples include careless installation of vinyl flooring in our kitchen, resulting in irreparable damage; leaving an exposed nail in remodeled kitchen cabinetry that scratched our new range; installation of bathroom sinks with improper plumbing connections; and multiple instances of failure to remove cigarette butts, food trash, and construction waste from our property.

Perhaps this will provide some food for thought when discussing your next asset protection strategy with your real estate attorney.