Tax treatment is very different.There's a large body of case law that establish only two things matter

How do you think about regulatory risk?

According to my HELOC note agreement additional advances can be denied or amount of credit line can be reduced in following cases:1) Value of secured property declines significantly2) There is a reasonable believe that borrower won't be able to fulfill repayment obligations3) Maximum APR reached4) When a government body decides that taking addition advances constitutes unsafe banking practice+ 3 other minor clausesFew people I personally know have HELOCs open with pretty much the same terms.The most risky part (at least in my HELOC note agreement) is the following: if any time unpaid balance on the account exceeds amount of credit limit then the excess becomes due immediately.

Any body of water capable of holding water greater than 24 inches requires a barrier around it (fence).  

Aly NA I think for some reason applicants believe that landlords are desperate to rent their property and will take any warm body with cash.  

I use a lot of body language viewing tells me a lot about what they're telling me is true or not.

You could see if there is a similar regulatory agency in your state and look into filing a complaint with them.

Also, bury the body in the backyard." 

This is similar to rental cars where we make a note of all the existing body damages before we rent the car.

I know some friends that only make 60,000 a year managing over 100 houses after their workers and regulatory control.