That's a serious win.

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. 

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.

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. 

However it is important to remember to make sure you have a plan to pay that loan down and not allow that credit card debt to climb back up.

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.

Where is the win for them? 

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

I seem to remember that I didn't even have a business card until then either.You are VERY late to the game to be making these decisions.