That is exactly what I thought and was super confused as to why people thought with the same amount of extra money allocated to paying off the balance, it would be faster/cheaper with a HELOC.  

I suggest allocating %s and putting certain percentage to work.  

Most of our other HAs allocated two people per bedroom, no matter the sex, age, or relationionship.  

I might allocate 50k of that 100k in to my business income, because im actually doing 50k in work. 

I know there's disclosures needed and time would need to be allocated to each business but I feel like the mortgage broker income would help supplement larger but more spread out paychecks from being a real estate agent while also spending my time and energy in real estate.

Now allocation of dollars and budgets can be varied.

Advanced tax maneuvering at sale time can somewhat mitigate this effect thru allocations.

@ Cole A.From your description, it would make sense to allocate the rental portion to the owner portions on a time basis rather than a physical unit basis as is normally the case.

For example, evictions can be generally be accomplished in under 30 days at a cost under $500.00.We have lots of land to develop and grow, keeping the cost of development reasonable.Our water allocation is solid and deemed to be dependable with multiple sources.Arizona has a very low risk of natural disasters such as earthquakes etc.In the portfolio of properties I manage I currently have zero vacancies, April rents were paid in full by the 9th and May rents were paid in full on the 8th.

I allocated first to equities, and put large lump sums throughout the years.