Use the Wagon Wheel or  Daisy Chain approach. 

That's a long, long list of accounts.The contractor needs to talk to that branch at BOA and get himself cleared up first, then everything will go smoothly.  

The other thing we could do is an All in One from Merchants Bank of Indiana (I live near a branch), which is a first position HELOC that is connected to a checking account. 30 year term with adjustable rate.

Prior to the call, I had responded in the email chain asking if we could do a Zoom instead because I don't like the phone.

-Major lawn care items such as branch or precarious trees that need removal?

@Douglas GratzI addition to the advice you have already gotten I would just like to emphasize the supply chain problems that you WILL face.

Those promises quoted are only from one email chain of ours - I have record of multiple others I’d be happy to provide to everybody and anybody interested.

At some point you don't need more than what you already have, and paying off debt is a great way to remove those invisible chains and give you more control.Getting to the million without debt can take a lot of time.

Well, COVID was going on, supply chain was tight and finding contractors that could get you into their schedule was extremely challenging.

If you want to talk risk, put down the PE talk for a second and look at commercial real estate, inflation, higher defaults, forever wars, growing china dependence and the economy and tell me that real estate would not be effected equally across the entire board when the house of cards fall, yet dividen stocks (this is a fact) tend to out perform the rest of the market due to hardships not really keeping people from drinking coke and eating at fast food chains.