It seems like 20% is a pretty good average.

Real estate investing is forgiving; the average person can still make money even with some big mistakes.

If you are going to be active, and have high conviction in a project with a clearly defined entry/exit strategy then using a HELOC is one of the better sources of capital.But, I continue to have my stance that, on average, folks who use a HELOC to fund the down payment for long-term investments will eventually find themselves in a situation where their portfolios drain their personal financial situations, rather than fueling them. 

Looking back, I probably could've added average sale price in the area.

But seems 80% is average? 

My goals would be to increase monthly cash flow and have more access to the property's equity for things like Cap Ex, etc....Here's a blurb from a lender's website:"By combining banking functionality with home financing into one dynamic instrument, borrowers are able to save tens of thousands of dollars and years off their loan""Designed after popular programs around the world, the All In One First Lien HELOC is the nation’s first transactional offset type-mortgage program.Home financing and banking combined:Deposits lower your loan’s principalFunds remain available for expensesInterest is calculated on the average daily balanceThis lowers the monthly interest paymentsTens of thousands of dollars can be saved over the life of the loanMortgage freedom can be achieved in half the time or less

The average listing price has risen 71% since the third quarter of 2023The second hottest ZIP code in the metro is Driftwood’s 78619Surprisingly, the third hottest neighborhood was 78664. 

You have consider that your average first time home buyer, has no clue how to read an LE, does not even know what fees are for what, and needs that additional assistance for them to feel comfortable purchasing their first property.

Sorry, but 4 weeks is way too long for an average turn. 

$200/mo has been the long-standing average in Milwaukee, but with current rates you'll need to bring a bit more down payment.However, stay above at or above median price. 100k does buy you a lot of headaches and future capex.