I can do that through charging points, but since I'm getting it at a lower rate than you could as a consumer, I prefer to mark up the rate while still being lower than most others in the market.

Main goal of All In One heloc or 1st Lien Position Heloc:  Lower your daily average balance.Main Drawback: Rates are substantially higher than 60% of current 1st mortgage balances.If you are mostly living paycheck to paycheck and your money leaves your account as soon as it comes in to pay bills, this is not for you. 

@Carlos Ptriawan how do you mean, "management required the LTV to be lower than 50-60 percent" ?

@Jorge Caceres  too bad that can be expensive.

Without new companies creating similar-paying replacement jobs, workers may have to settle for lower-paying service sector positions.

I have noticed a lot of investors are seeking out cities that are offering lower priced lots and simply adding a Modular or Manufactured and capturing a very nice cash flow.There is a new trend starting in Florida and in other states where an investor buys a piece of land or lot and add a 'Tiny Home". 

Lower the price2.

$700 negative cashflow without taking into account several expenses.

As already mentioned, you could sell via seller financing to lower AGI, as all you would have to claim is the payment income - until balloon payment received.Did know an investor that had 14 properties paid off and he moved into one every two years to then sell with the $250k single exemption.

Of course I can increase deductibles or otherwise decrease coverage, but that is only putting off the inevitable expensive insurance claim.