HELOC: they are out there, but you typically have to hold title in your name and not under an entity. 70% LTV is usually the cap, and rates are double digits (mid teens).

I'd expect rates in the low to mid-teens depending on LTV and credit.

I'm doing all I can while working full time and raising two very busy teens with sports, etc

boys or girls, toddlers or teens, scary or imaginative.

I think not.But a golf cart with less safety features, uncapable of traveling speed limits on roads, no doors, children often traveling without car seats or boosters (that people spend hundreds of dollars on to keep their kids safe in the car), kids/teens/drunks driving illegally, etc.It's providing a vehicle for use, even if it is a "golf cart."

Most of the adults couldn't care less about the Xbox, but seeing a nostalgic arcade cabinet with 60 retro games on it brings back memories - and they are the ones paying the rent  It is all about the pictures too - the standup arcade cabinets are going to give you a bigger bang in that department than the Xbox, but the kids/teens want the Xbox.  

I'm sure that with a forum this large, we represent society well and have the same ratios of fit and fat people investing as those that are in other jobs.I personally have always believed in perso al fitness since I was a teen.

Check out this link to a floorplan by Lennar, one of the country's biggest builders.https://www.lennar.com/new-hom...People are drawn to the flexibility of JADU floor-plans as they can use the space for all sorts of things: home office suite; room for an older teen; adult child living at home; In-Law unit; Airbnb; home gym; rental...

Terms are usually 5-10 years fully amortizing in the low-mid teen's on average.They are basically taking a pledge against your future cash flows, similar to an MCA, but with rates from 11-16% fully amortizing on 5-10 yr terms, so payments are not nearly as ugly as an MCA, but similar concept.If they're a TPO or Broker for the same company, the program could be real.

The reality is that even a few years in your late teens and early 20s is nothing.