Depending on your income situation your DTI could be affected by the total unused balance of a HELOC..so if the magic rate you're quoted as a minimum line amount of say 50 or 100k be aware that could impact your borrowing power in the future(i'd ask ahead of time how they treat this!).

Two PartOne, is Kathy Kellebrook, "the magic marketing lady", any more than just another hype guru, does her marketing system workTwo, wholesaling doesn't seem to be here in my city (Tampa Florida) moving is not an option for me right now (cash level).

What are the "magic words" that won't run afoul of the Federal Courts of the United States of America and still "collect" on the debt I may own soon?

How and when you do that is dependant on factors you control and manage based on your own risk tolerance.There is no magic formula, no right or wrong way only your way in applying basic industry standards and your own business goals.I know that all sounds like fancy talk designed to not answer your question but simply saying jack rents and ride out the consequences does not help.

What if the Fed pulls some magic out of their hat and the stock market crashes and the real estate market survives?  

Certainly didn't magically appear, he's worked hard for years, but not even close to an expected retirement age, he's basically retired and his main activity is cashing checks (poor guy, I feel bad for him also).   

It's in a magical hidden park- it's more an old man who owned a lot of land and developed it little by little so its lots of little coves of mobiles.

you really want to refi that house to make it profitable.if not, I would sell it and trade the unit for one that performspaying off the loan is not a solution, it's just a really lousy accounting magic trick.

If it is happening - the magic question - when do you think the price fall will happen?

There's no magic.