Heck that's is such a tiny %.I don't believe a smoker intentions is to cause direct harm; nevertheless in many instances it does.                             

I figure if I take low income peoples money in the form of rent then it will be less they have to buy Newport’s ,beer ,and lotto tickets that could harm them .

IE foreclosure was stopped, they got their money back in short order without financial harm etc.

They have over 1 Million comps in their database to help them form offer prices and analysis and is also a great site for research to find new places to mail.They offer a 7-day free trial period too so there's no harm if you decide it's not for you.Some other good notes to know is that they are super transparent about what they're doing and also really responsive to feedback. 

Otherwise it will harm both your marriage and your business.....

There is a great many tools and tactics still readily available for powers that be to use to prevent a USD failure AND a failing USD would cause too much harm to too many of the world elite at this moment for it to be allowed, they would sooner end the NYSE than the USD, that is a fact. 

First do no harm, or as little harm as possible.

This is of course just my opinion...but several of your discussion points like being able to lock the rate on a balance and obtaining a lower interest rate seem to overlook the substance that this is a revolving product so treat it like one.

Take your pick, from pork bellies too mortgages, so to speak of the risk factor there is like saying it's headline news that starring into the sun can harm your eyes. 

Hey Cody,No harm to your dti using the HELOC - agree with the others in this post.