A mentor of mine long ago told me that one of the keys to creating wealth is "The velocity of money" (How quick are you recycling your money?).

@Flavio Espinal, search "velocity banking" here on BP and/or on the wider net.

@Christine Sparks, if you don't plan to pull the trigger for some time, do some research in to "velocity banking."

I am simply trying to increase the velocity of my money, so may have to look into value-add commercial stuff as well. 

If not, your returns would be even higher if you took the 401k loan and used it as the down payment for a 2nd cash flowing rental.Then use the cash flow from rental #2 to pay down the 401k loan.Or, you could then use the cash flow from both rentals #1 and #2 to pay off the 401k loan quickly, and then take another one to pay off the HEL on rental #1.Better velocity of money that way.

I look forward to engaging in this community and increasing the velocity of our money. 

My questions stem from velocity banking...1.

Cash just helps the velocity of your money to move more quickly.

BRRRR improves the velocity of your money and you can hopefully get most/all of that money out.

Control the velocity of the water.