I have one right now where normal appraisal for my state and area is 595 but since the property was rural and far away the appraiser came back and said they wanted 900 bucks.

You may have gotten a few hundred bucks.

That means they are mature, don't plan to leave and probably keep the house clean and livable. 

Two of the common areas of concern for HELOCs I see out there is the 10 year maturity date and the adjustable rate.

Stupid book with no actionable steps or tips .. we all know the government is screwing but I didn’t expect Robert to jump on board and screw me out of 20 bucks

It's an interesting model, but one that may be difficult to grow and mature.  

So  you would pay tax on the $245K   In that instance you would only shelter the remaining $14K.With an average exchange fee you'd probably still be saving a few hundred bucks. 

my cleaners does it for 20 bucks a room, then i write it off

Project/loan maturity periods will only be 12 months. 

I see that this passive part of REI is crucial as you mature in your porfolio.Since I have a very busy full time day job, I'm juggling the time vs. money vs. excitement for REI strings and sometimes failing to find that right balance.