Does HELOC and other home equity financing methods work in the current high interest rate environment?

Given the rate environment I'm not sure that a HELOC makes much sense or if you'll get something significant enough to buy something closer to Boston.

But using that money as a downpayment is not "correct".For starters, it's almost guaranteed in this environment that the interest rate on your HELOC is higher than your CoC returns on the properties you'd buy.That doesn't make sense.Beyond that, how will you pay off the $400k HELOC balance?

Neither scenario is a suitable environment for investment. 

In this environment how are people doing the deals?

They said it is a new loan product being offered in todays environment.

That is what we have to defend against, that person, and why EVERYONE will have to do this process now, because of "that" person who may use this new environment that way. 

This existing regulation could be twisted, to apply against an inflationary environment, stating things such as rent's capped at say 4% annual increase.

We might not live like it, but we are interdependent on our environment and nature.

The physical environment isn't for everyone, it certainly is not Miami Beach, but it is very Big Sur-esque without the price premium.