@John Bran your connection is right, a HELOC (home equity loan) is a great way to purchase a duplex.

I am bran new to all of this still have a lot of studying and learning to do.

What would that mean for people who had O/O at 30yr 50%ltv loans.All loans over 80% have a bump to the rate- it may not be disclosed to you but trust me its priced into the rate so someone with a 50% ltv would be looking at rates at least 1% lower than someone with a 90%ltv.

You are going to think I am nuts, but I plant OATS!!!!

Normally I get brown rice, rolled oats, oat bran, dry beans, quinoa.

That stove looked bran new in less than an hour.

Best of luck on your real estate Investing journey, @Bran Krans. 

I will keep you Oates along the way.

I inherited a home oat the end of August 2011.

I loved the story about him being grateful for REI working out so that he could be self employed because his worst fear was being caught in rush hour LA traffic with a giant cup of coffee and a bran muffin.