That pot of gold you are eye balling for 2060 is only a few natural disasters, recessions, market melt downs, health problems or unexpected emergencies away from expurgation.

Plan for Economic Downturns- Emergency Fund: Maintain a cash reserve to cover unexpected expenses and vacancies.- Diversification: Diversify your investments to reduce risk, including different geographic locations and property types.Your excellent credit score, lack of personal debt, and existing portfolio put you in a strong position to expand.

My thoughts:  The HELOC might be a good emergency fund, but basically it is a large credit card.  

Long term investment capital and “emergency” funds to endure when things don’t go as planned.7.

A few days ago it was looking pretty decent, but then we had a guest cancel a 7 night stay in June due to a medical emergency.2024: June 26%, July 58%.2023: June 70%, July 51%We donated a 3 night weekend to Isaiah House for a fund raising raffle so I didn't include them in the June 2024 numbers.  

For an emergency fund, the HELOC on primary is really useful.  

But, when there is an emergency you are sure glad that you have been paying all of those years.

I'd discuss if I have a spare key for emergency access.  

This is an emerging market for sure. 

You need a bucket of cash for reserves, emergency repairs, or leverage to find/buy/create a good deal.