Tends to attract a younger /trendy crowd.

Considering refinancing if rates become more attractive or I need the cash out for something.

Specifically, a HH can substantially lower your living expenses, while increasing your income.

One way you could use the HELOC would be to put cosmetic rehabs on your primary, increase the value and do a cash-out refinance.

What the program does is increase your experience exponentially by pointing out flaws in your analysis.  

Quote from @Kahi Jelf: I would do that if interest rates were actually low. my current interest rate is 2.5% so i don’t think i would want to give that up.If your rate goes up to say 6.75% thats a 4.25% increase on the overall loan. 

Others may disagree on that but rents may also increase which will put me in a better position in the future.

I have great cash flow in California and where I invest there is no 10% rent increase limitation.

It'll make landlords increase their minimum standards and become more picky with selecting tenants.

Up-and-coming areas: Consider areas like Heights, Fifth Ward, or Third Ward, which offer potential for growth and affordability while still attracting visitors.