If your LOC is close to that now, I would't touch it.

ANd no you cant touch it, but you also cant touch your downloaded music and videos, nor the software running on your PC, yet they bring you value and you don't think twice about spending dollars for it.

If you can match the paint, the walls could probably be touched up. $3,000 is reasonable for a full repaint.

Keep in touch and let me know what happens!

If you never touch that money it should be enough for you to retire on at 65 or so.

Everything touches the Balance Sheet and it is the only way to judge if everything is accounted for.

I commonly hear that permitting is not an issue unless I am touching plumbing or electrical but just to be safe and avoid any future liabilities, I am trying to understand it is even feasible to get the new rooms/garage permitted for their intended use.3.

I suspect this would happen if various parties were given the ability to ask questions in nearly every application for what this thread touches on - and I have major concerns about integrity (and credibility) issues involved in putting yourself in a position to defend this position if ever challenged. 

Rates will be 10-13%, depending on the terms.A HELOC can be a good tool to leverage your equity for a down payment without touching your current low-rate mortgage.

Touche'  I dont give a rip so there is that..