I am scrubbing my database and from just a few years ago I would guess 90% of people who were "interested" in notes 2-3 years ago are no longer interested.

Does Cash invested include carrying costst?

I carry my phone with me at all times, and approve all requests within a few minutes if I can.  

Most HELOC's are based off prime and these are consumer based products (rate determined by margin which is fixed + prime).However the commercial departments in many of these banks or credit unions offer fixed lines on their commercial interest only products that can be based off different indexes like CMT (contact maturity treasury), SOFR (secured overnight financing rate), or other indexes that are less volatile than the prime which is directly linked to the fed funds rate + 3.00%.This is why the fed funds is at .50% right now and our prime is currently 3.50%.Just make sure to pick a product and index that works with your overall strategy because in between deals you'll be carrying the "equity," you used to buy a property on this line most likely.

Utilizing the same approach can can assist with for-sale housing as well where you can decrease DOM and move your inventory quicker, thus saving on carrying costs.

In my opinion, since the breach of the entire SSN database, those methods no longer carry value.

This will put you into your 50s.If you feel it will be a slow transition and you plane to concurrently carry your current source of income, that will eliminate you free time and add stress to the family dynamics and your health.In the next several years, the most crucial child development years in my opinion, you will not be there for your kids ...

Would refinancing now to simply gain a point (if that) on my current rate affect my ability to carry out one of these other strategies in the next year?

Understand that private money lending carries risks, including borrower default.

You go to account and profiles and create one, your friends don't carry over to that account unless you add them but they can see what you post publicly if they look.