The market is always evolving and there may be good deals to be had near term or you may need to wait a while, depending on many factors like interest rates etc.

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.

I still think this is just like factoring accounts receivable .

However, financial freedom isn’t a one-time event; it’s about sustaining your desired lifestyle for the rest of your life.Once you have your goals, the next decision is where to invest.Investment Market/CityThe investment city determines all long-term income characteristics, including whether rents rise fast enough to outpace inflation and how long your income will last.Understanding inflation: It takes more dollars to buy the same goods every time you go to the store.

I'm in Iowa and while not KC, I think the factors are probably similar being in the Midwest. 

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.

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.

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

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

FHA allows the construction or renovation of an ADU on the property by refinancing into a 203k loan, but the property must remain your primary residence.This stuff is subject to change, lender specific, and subject to other factors.