Which would leave a balance on the heloc for me to pay off.

All pay electronically through our business DBA.

Now, I want to pay it forward by creating a step-by-step real estate investing course specifically for high-earning professionals who might be feeling the same pressures I once did.I know how tough it can be to juggle a demanding career and personal life while trying to invest wisely.

Tenant income helping pay down my mortgage?

I personally prefer to start now, than later.If you can afford a duplex financially with a bank and rent the other half to pay for most of your mortgage, why not?

Doing this for a few years with honest effort will put alot of extra money in your pocket. 

Not interested in 1031 as I want to use this money to pay off debt and spend more time with family.

They will pay all PITI and repairs while there.

Separately I have a non paying tenant I am evicting which will cost me c10 months rent but that is another story and buyer beware in dealing with NYC tenancy and housing laws - advice is hire a lawyer from day one of nonpayment.Two questions for the forum:1.

Please advise I (the landlord) should pay for labor and material to cover the area with rocks, or Tenant is responilbe to clean up the area and pay for the labor and material. 2.