I was actually just in Decatur yesterday (at the toy park).

If you can be disciplined about your spending and not dip into your investment funds for toys, and learn the right investing principles, you can do much better in real estate than a 401k.  

The loss of one lease can crush your cash flow if you have a business serving as an anchor (on a big scale think Toys-R-Us).

Hope this helps...I can get a new refrigerator from Lowes or Home Depot for $340 to $370 with free delivery and free hauling away of the old.

Pricing can vary from around $7 - 12K, depending on tear-off and removal cost, insulation layers, number of penetrations in the roof, height of building, dumpster/hauling, etc. 

But as for me I look at HELOCs as ready short term cash, not for the long haul.

they sit in some sort of land of misfit toys limbo. 

It's quite a haul to Sandy Springs.

Life style, leveraged assets and borrowing for depreciating assets, excess vehicles, toys and other financed properties says more about someone than how they speak, act or dress.Liabilities are viewed as obligations and contingent liabilities or debts they might incur if plans change.

I believe that a one page promissory note is really not in good practice, using ten and twelve point type, sufficient recording spaces, it takes at least two legal size pages, usually three with any notary and more involved notes can be 10 or 12 pages, even more.I have toyed with the idea of posting some contracts, but here is a problem, posting one means, IMO, that it will likely be copied and used and my Option Contract that is compliant here in Missouri may not include an issue required in SD, or NJ and especially in TX.