The HELOC thing is a nice freebie US Bank threw my way: I can fix a large portion of my balance for 5 years, IO payments at 3.5%.

Don't let one bad apple spoil the bunch.

Apples to Oranges. 

Some know better and don't care, others simply don't know any better and allow their ego to govern.If there weren't so many of these types, Negative Nancy would be as motivated to call out bad apples or comment on poor advice.

I'm just getting started but here's mine:BA in Computer Science and EconomicsMBA from Top 10 school in Marketing and EntrepreneurshipStarted my career doing sales for Apple, transitioned to AT&T Sales then to AT&T Marketing

At least compare apples to apples.

Rather than talking about the yesterday's winners like the Bay area (Like an Apple Stock trading at $100/share), shouldn't we discuss the future up and coming Apple in real estate? 

I think I may stick closer to the 1% rule and crunch numbers myself maybe make a spreadsheet that apples more to me and my market.I'd rather not use the 50% especially because I'm a hands on guy and all repairs will most likely be done on my own.Well, thanks for clearing that up for me guysAppreciate it.

I use cash on cash return because it is a way for me to measure other investment returns on an apple to apple basis.

Sounds like to me they know what they are doing and no sense in up setting the apple cart at this early stage.