There is potential expansion to add a legal bonus room or a unit but I don't consider it now since I don't have the capital yet.Do I miss anything?

And they should have actually make on unemployment with the federal bonuses than while working?

If that Christmas bonus kicks in, or if that IRS tax refund comes in, or any number of scenarios happen since your heloc is your checking account, and more money than expected comes in and actually brings the heloc down to 0, then you could easily owe up to 8500 in fees.Nice try though.

Wealth preservation is an added bonus but NOT in any way the main objective.

I'm in the Midwest, I buy for cash flow, with appreciation being the bonus. 

The cabinets they have for white shaker I found to be of higher quality then pretty much everything in price range they will also give you 10% bonus more off on these at the Glenview Lowes.

The sponsors' plan is to pull as much depreciation into the early years as possible using cost segregation & bonus depreciation (while it's still available).  

It can also provide you with opportunities to leverage taxes incentives like Bonus depreciation.There are some opportunities that are available right now for those who have been committed to working in corporate America and contributing to the 401(k).

Offer them a cash bonus if they refer people to stay.

There is a lot of the labor force that had a bonus on staying on unemployment (just recently ended) plus everyone is learning to operate in the new normal.