As long as you have the self discipline to not raid that reserve for fun and pleasure, go for it.If someone has trouble managing their money, then a HELOC is not the solution.

Overall, it’s an excellent solution for smaller portfolios because you can easily spot any discrepancies.

I am very creative and find solutions where others seem to see roadblocks.

If there were a tech solution that solved the security problem or a human solution (licensees whose sole job was to open doors), that would be a positive, time-saving innovation.Again, for the many'th time, your referencing EXISTING things/business's as-if your planning to "invent" what already exists....... https://showami.com/ 

The solution is for people to find places where their wages permit them to buy or rent a decent place to live.

My solution: mouse traps! 

Padsplit's answer is that no politician will attach the affordable housing industry because this is the only private solution to solve the housing crisis now. 

I appreciated Zach's call today and the time he spent listening to me, and also sharing what he could do to find a solution to my situation.

Just speak to your broker about it and they should be able to give you some easy solutions.

Solutions, being a resolution-engineer is hard.