Under the same scenario, a GP with a fixed percent return would probably make the choice to sell and take profits because they would see the 20/80 decision as a bad bet. 

However, if you need more flexible terms then look for a local mortgage broker who has access to a lot of companies offering HELOCs with most having more flexible terms than local credit unions. 

If you’re able to save another $20K within 6-12 months, waiting could open up more opportunities and give you more flexibility in your investment choices.If I were young, had $23K, and believed I could rebuild that savings account, I’d seriously consider making the jump.

'Your best bet is to wholesale for now- you find a super good deal (how are the yellow letters coming?)  

With C or below you probably can't avoid some of it so I'd go with a recency bias, ie anyone who has a long period of time between their last eviction and successful rentals other places will be a safer bet than the guy that just got evicted. 

In fact, I would bet that the only stockholders that would have enough clout to move prices, such as pension funds and the like, would probably appreciate a bank that maintains clear line-of-sight between the note holder and mortgagee. 

To evaluate an advisor, consider their track record, flexibility, and compatibility with your goals.

A HELOC gives you flexibility since you can draw as needed and only pay interest on the amount you use, which might be useful if you’re not sure exactly how much you’ll need upfront.That said, it’s important to compare the interest rates between a HELOC and your expected returns in the stock market—if you’re making more in your investments than you’d pay in interest, it could be a good play. 

However, the absence of a renewal option in the lease could indicate uncertainty or strategic flexibility.

Rates are typically higher than a traditional cash out refinance, however at least you are not getting the full loan amount + you have the flexibility to draw/tap in the money whenever needed.