It enabled me to save for the multifamily that i am closing on in the next 2 weeks (putting 100k down).

Thank you,she tried the HELOC,her house is paid in full.I know she has credit issues but I thought the house alone would enable her to be able to borrow against it.

Its a tool that enables you to make more money from the investments you are already making.

With that said, I keep a Heloc on my highest appraised property, to enable having access to the greatest amount of cash flow.

And that's not to say that I don't believe you, but it is to say that the scenario you're citing is A) particularly to residential real estate, and B) mostly enabled by the expansionary monetary regime we've been under for a half century. 

What should be considered is the large tax cuts that have been made to large corporations that enabled companies to "boost the economy".

Simple arithmetic tells us that the DIY will pay more for a property since they have less out of pocket expenses (we will ignore the implicit opportunity costs of their time for simplicity's sake), thus more cash flows to their bottom line and gives them a larger numerator in their ROI calculation, which enables them to have a large denominator (purchase price) to arrive at the same 11% return.

This is where all of your lessons from the beginner and intermediate stage enable you to be a better manager of your business.

A decent agent in CA will do $10M in sales here which is not that difficult and in doing so, could make ICON enabling the 20% broker split to be given back in stock.

That is a luxury not enabled by many professions!