Understanding markets are local, the train of pricing increases continues to slow down based on the home sales reports released this morning S&P CoreLogic Case-Shiller Index reports 4.0% annual gain in February, down from 4.2% in the previous month.Case-ShillerMarch pending contracts increased 3.8% from February (primarily due to interest rate decreases in 1Q19), but fell 1.2% YoY.Pending Sales

We're going to have plenty of gold once they start mining the asteroids for it, so that scare tactic, popular for generations, now has a shelf life tied to the drastically-decreasing cost of getting stuff into orbit with reusable rockets.The guys telling you the dollar's going to collapse and the US will fail never have any clue just how dominant the US military is versus any other world power in history.

Which will naturally decrease your monthly income estimate.If you're paying less than 20% for a down payment, you'll likely need to budget for private mortgage insurance, which can significantly eat into your margins.I don't see a monthly budget for homeowners' insurance. 

I personally would sell the car, get a used Toyota Yaris for like 4k, decrease your expenses and go all in on paying the rest of the loan off in a year max.After the year of living on a crazy budget, save like a normal person and invest the rest.

@Maron FaulknerAre you saying that the bank decreased your HELOC because you are considering purchasing investment properties? 

I think I'm getting turned around due to the cost of the cash-out refi and decreased cash flow.

Increase or decrease in value, refinancing has nothing to do with it.If you do improvements, you'll have additional depreciation accounts, with it's own life.

If it is, any upgrades that would noticeably decrease a water bill?

We discussed the neighborhood, some means to add ancillary revenue to improve income, and other means to decrease expenses.

The closer to $200K and above you get, the yield decreases.