You’d think that if you compare to San Diego every single place is an “easy win”.

It'd save you money over using zoned heating as well as keep the tenants happy, that's a win win.

In other words simply delaying paying the $120k tax for 10 years reaps you a $259K additional profit at 8%. 

Don't let fear get in the way of what could become a win-win.

I when you put it so simply, I can see how and where I'm getting distracted or overwhelmed by various ways of looking at return.

Maybe in a nutshell the typical process, chances of actually winning a bid?

Looks like institutions or individuals are moving away from lien investing as overall interest rates are going up on other investments - but the overall winning tax lien rates this year went down to 4.52%.I eliminated the "Struck to County" liens which are the liens nobody bid on and are now held by the county.

As a freelancer, banks aren't exactly excited about my profile... but I've got a nice nest-egg and a will to win, just need a direction to head in.

You would have freedom to invest and generate a higher return immediately with your portion while your bothers portions are invested by your parents generating income that would ultimately have to split with you as well.In other words the gift is win/win for you and lose/lose for every one else.

Thanks, Adam Most HELOCs are interest only, so the payment is simply (balance * rate / 12). $25k * 5.5% / 12 = $114.58.