Biggerpockets has given so much useful information to the point I'll pinch myself to see if I'm dreaming.

Be sure to hook up with folks near you, they can help you out in a pinch, and might land you the lead for the deal you are looking for.

If you like chocolate, wouldnt you eat it for free?

The reason for this is that if you ever get in a pinch and have to sell, you don't want to be underwater and if you are underwater and you have to sell and you don't have the cash to cover the loss, well...that's how foreclosure happens.Most all markets in the US have returned, and even exceeded in many cases, the high price mark from before the crash.

I know its small but if I need the money for personal items in a pinch I could use the HELOC account. 

The ones that suck and can't add value to their clients will get pinched bc these discount brokers will add the same value with perks.  

This is like asking whats a better cookie; chocolate chip or oatmeal raisin. 

As a result, if the area and asset match your investment criteria, then the T12 should be taken with a pinch of salt. 

You can get caught in a pinch buying a property with it, with the end goal of getting that money back out to pay it off. 

I had made out a batch of custom made fortunate cookies, with a weird website name - one that I had bought and at that website address I explained exactly what I was looking for in regards to a particular property that was sort of lost in the shuffle of a bank foreclosure.I sent a dozen, chocolate covered fortune cookies to the address of that dept overnight and got a call the next day