If you suffer an attack, breach, or contamination event, you dont want to lose access to your info or be locked out.

We haven't event gotten our minds wrapped around cost segregation and depreciation, and our current CPA doesn’t seem to have a handle on these concepts either … 

HELOC can be good for this situation - then you can pay it down and use it again for other life events etc. 

As someone who has spent years in the real estate industry, I’ve learned that success on Airbnb isn’t just about listing your property—it’s about strategy.From pricing tips to guest communication, I’m happy to share insights that can help you maximize your income.

I would recommend that you get out to local meetup events, as that is where you will make the really deep connections to help you get rolling. 

Its a lot of money to put into someone who's new to their life or the industry.

See the chart from Fair Isaac Company (FICO) below: FICO Score Pct of Population Default Probability 800 or more 13.00% 1.00% 750-799 27.00% 1.00% 700-749 18.00% 4.40% 650-699 15.00% 8.90% 600-649 12.00% 15.80% 550-599 8.00% 22.50% 500-549 5.00% 28.40% Less than 499 2.00% 41.00% Source: Fair Isaac CompanyAccording to this chart, investors should use corresponding vacancy+tenant-nonperformance factors of approximately 5% for Class A rentals, 10% for Class B and 20% for Class C.To address Class C payment challenges, many industry "experts" are now selling programs to newbie investors about how Section 8 tenants are the cure.

Frisco might be the new downtown, so people living in Frisco probably go to Frisco for shopping or events. 

They host regular meetups, workshops, and networking events that attract investors across all levels, including those focusing on multi-family and commercial properties.

So you can sleep at night, consider having at least 2-4 month mortgage payments, taxes & insurance set  aside (in the event you unexpectedly have difficultly in the future finding the right tenant.)3.