Transitioning to Business Credit CardsOnce your business credit profile is established, apply for business credit cards.

Appreciation Wins: - Two years appreciated enough to remove PMI. - Four years of appreciation -100k HELOC for investing.TakeawaysThis house hack worked because I chose a desirable home in a good area with strong appreciation potential.

The wild card is RISK.... if you pay off your primary, there is no risk Use it to buy rentals or other investments, comes with some risk.

Where is the win for them? 

That's a serious win.

Like much of real estate, it looks a whole lot better on a spreadsheet than it does in real life.It works at scale or with a lot of experience, but you are kind of building a house of cards needing everything to go right in the beginning. 

It really depends on your long-term goals. if you're looking to grow your portfolio without selling, leveraging the equity could be a win. 

Usually I win ... but he says he use to figure, 'I don't really like the deal but if the bank underwriters will go for it...

That would go in front of a judge and the person with the most evidence or most convincing story will win.

As a certified advisor for both QBO and Xero, I have to say QBO wins however, you are talking about 6-7x the cost of QBO Plus.