I say embrace what you know and if you’re passionate about it the money will follow.

The question you should be asking yourself is why some people fear debt and some people embrace it?   

Goals are fun to have but sometimes people get so obsessed with them for plans so far out in the future that they do not fully live and embrace the moment they are in NOW and TODAY.    

That’s what I would advise you to embrace at all costs!  

I grew up learning to be debt averse and it's been a struggle undoing that learning in favor of embracing good debt.Also, I know I should be more business minded as far as my investments are concerned, but tough to disassociate myself sometimes since I've had some for so long and tenants are all good and set.

Know that going in and either decide to embrace it or labor to prove every single day, on every single deal, that you are worthy of trust.- Over the long haul the best thing you can do for your biz is to be really really ridiculously good at what you do in terms of knowing your numbers and delivering "win" opportunities to your buyers. 

If you find yourself nervous about the seller finding something out, steel yourself, embrace it, and tell them outright. 

Most landlords become adept at operating within the margins of local law, and tenants willing to play the game embrace a mafioso attitude to obtain buy outs lucrative enough for them to make a move.

The key is to embrace uncertainty - and to get more comfortable with its consequences.Of course, if you had the HELOC, the ethical dilemma of whether to proactively disclose that something changed in your living arrangement (and have to repay the HELOC balance) would be another thing to wrestle with.

Talk with some lenders in your local area and they can let you know if your deal is one that they can refi and if they can't just move on to the next one until you get a lender who embraces what you are trying to do.