Based on the tenor of your posts, I've got to ask - do you have your primary residence squared away?

I handle hundreds of insurance claims, resident compensation, crime, and pricing… so I am very familiar with the system and reasons behind policies. 

HELOCng a personal residence could leave them homeless in the event they fail at this.

Quote from @Jabs Carter: Yes, I am a Texas resident but I invest out of state.

A shopping mecca five times bigger than Lakeline Mall, a 21st century mega-factory, an ever-growing Apple campus and a somewhat secret but sizable spot occupied by Tesla.With a population increase from 2020 to 2023 of 14.5%, Williamson County is clocking more new residents than all other counties in this fast-growing region.

@Jonathan Greene I'm not sure what you mean by "most will not cash flow as an out-of-country investor" as it might suggest that the cash-flow of a given property has something to do with the nationality or residence of the owner but, in any case, you're absolutely correct that, historically, the net rental yields of LTRs in US cash-flow markets like the Mid-West have been typically higher than in the average European market, although that wouldn't be the case for many other US markets like California or New York.

Quote from @Erwin McClain: I had rental properties out of state but I have been renting rooms in my primary residence for over 10 years since my 2 boys have moved out.

Investment Info:Single-family residence buy & hold investment.

Investment Info:Single-family residence buy & hold investment.

I am in the process of getting a HELOC on my primary residence at the moment.