Also, do hard money lenders vary from states?

Based on your advice to newer investors, should I play the long term game by paying off my house early (2030)?

If you have ever played the Cash Flow Game, you are pretty much the poster child character in the game for a high-income investor.

My COC return will vary depending on my out of pocket cash.

"It's a numbers game".Ohh and please ignore all the other people here on biggerpockets asking the exact same question dealing with your exact same issues complaining that they all are getting the same horrible results.

I played that game and I don't want to make money just to make money anymore.

Dont waste your time game-planning.

Since you are splicing multiple pictures, why not show a good one of the game room and other other key parts of the house instead of all of the game room?

Too many varying opinions with sound logic on both sides in this forum regarding traditional velocity banking.First position HELOC ... 

The collateral is so so and some have preferences such as certain asset classes they will invest in, but generally speaking, you can obtain an equity deal with very little skin in the game.