So your #1 and #2 are a clear yes, while #3, #4 and #5 (breaker box) are all debatable and depend on specific circumstances.Also, $500 was bumped to $2,500 in 2016.

They end up spending more money and losing time in hopes of saving money upfront.I sell commercial property so have no dog in this hunt (debate).

While you are debating this topic, I'm about to sell my Oakland tri-plex.You can take massive action while studying. 

No debate that San Diego has one of the best climates in the US, but there are other factors people consider.

Water heaters are debatable: some say 27.5, I say 5.

I often agree with a lot of the business type decisions you post on here, but that comment was unwarranted and isn't debatable. 

Here are some common trends I see in social platforms:* Twitter - Incredibly short lifespan* Pinterest - High traffic, low quality referrals* Google Plus - Debatably relevanJust some thoughts.

Taking the equity out due to appreciation is something different and they encompass a different set of risks.I think it's fair to debate different tactics and strategy s for RE investing but we should make an effort not too get emotionally involved in our particular strategy to the exclusion of others. 

I would consider your long term goals when debating refi vs HELOC.

It invites more debate and parsing vs. a 51% owner gets to determine the final say on all matters.