The discipline to run on a budget for a number of years or decades depending on your math, doesn't factor in emergencies or market changes where the HELOC could be used to invest in other places.

When things outside of our control as investors change, (macro-economic factors, saturation, disposable income etc.) and there is no safety net, that's when investors can get really hurt.

I still think this is just like factoring accounts receivable .

Is this really a critical factor in seniors choosing retirement homes. 

The biggest factor is thoroughly review their credit score report especially on time payment record and score.

It is a common factor for these types to plant in people's head they are responsible for their success so when they come back after realizing the no value you can blame it on them.

The ideal location for your first investment often depends on a combination of factors like budget, market growth, and your personal goals.

The appealing aspect here is the ongoing population growth and other economic factors.

Actually the IRS does not tell us what we can invest in, only what is disallowed (life insurance contracts and collectibles).Allowable investments for SDIRA investing include the following:Residential real estate, including: apartments, single family homes, and duplexesCommercial real estate Undeveloped or raw landREITs (Real Estate Investment Trusts)Real estate notes (mortgages and deeds of trusts)Promissory notes Private limited partnerships, limited liability companies, and C corporationsTax lien certificatesOil and gas investmentsPrivate stock offerings, private placementsJudgments/structured settlementsGold bullion Factoring investments

I could be wrong due to glancing and it is only noted here as some investors may evaluate deals with that as a factor.