And or thought people were taking advantage.

(May also cut significantly into the current cash flow on it)I know you mentioned not doing a HELOC on my primary, but wouldn't it be advantageous to have the ability to pay off the line of credit instead of be stuck in a payment that is much higher? 

I’m particularly interested in learning about the advantages and challenges of investing in Oakhurst, Mariposa, Yosemite West, or other nearby towns.Thanks for sharing your insights!

Bear in mind, you're not investing in a retirement account to take advantage of tax deductions, as there are no taxes.   

Would you rather set it and forget it and not need to refi again or rather take advantage of low/no closing costs on this loan and plan to be more aggressive on your rate at the time of your refi?

Mount Vernon and the Bronx also fall into that category. 

Hi @Michael KlickThere are several advantages to uses a HELOC.

There are 2 big categories of answers to your question: Friendly/cooperative neighbor and not.

Being in the Austin market gives you a great advantage since it’s such a hotspot for investors.

So for example, a 761 credit score will be in the 760-779 credit category, then going down to 740-759 and so on.2.