Gentlemen, the fundamental question is that I want to do either cash out refi or HELOC at a max LTV.

If they're buying because they think the market will continue to appreciate at 5% a year and you disagree then you'll end up with fundamentally different ROI scenarios.  

No books on how to create wealth, how to make money in real estate, etc, are going to fix that fundamental issue.Take a step back and talk about what you want your life to look like in 5 or 10 years.

Can it be done, yes, but if you have the discipline to follow all of the basic fundamental ideas he teaches to manage your personal finances, you have what it takes to use debt responsibly. 

I focused on learning the investing fundamentals which consisted of the continued mastery of my mindset, my ability to communicate with people, and understanding both traditional and creative financing so I have flexibility in leverage property.After I finished my training program....it took 5 months of prospecting FSBO's & rental adds on Craigslist before I found my first two deals (a day apart).

If you truely study the fundamentals of our economy, you will see that there are no signs of a let down coming.

Governments seem to be ready to go as all out as they were during the Great Recession to deal with stuff, and underlying economic fundamentals are better in many ways than then...

Both are comparable in terms of solid economic and demographic fundamentals such as population growth, job growth, income etc.

Otherwise, I merely educated my clients in some fundamentals of taxation.So, if you don't know the basics, then any accountant will deliver "magic" results to you.

They know locations and trends and they understand the dynamics of fundamental investing.