Vacation rentals are a cash flow game really.

I haven't had a CPA push back on this before. 

They were great until they put a $1M limit on my policy because a couple of my homes ha pools.

What better thing to do on Thanksgiving Day than learn about real estate investing!

How much is the HELOC and what is the interest rate you are paying on it? 

We've seen our area MLS which covers about 20 counties come down to an average sold to list price ratio of 95.1% and Knox county specifically has come to 96.4 % which is lower by about 2% from this time last year and down from our peak this year of 98.5%. but it's about in line from winter 2022 into spring 2023 which was a time when rates were rapidly rising.

It depends on what you are trying to do.

@Marci S.This will be challenging as most lenders will lend on an asset.

Focus on buying or starting a biz.

Suppose you have $46,000 mortgage at 8% interest on restaurant, $22,900 SBA loan, $3,900 at 1.75% interest on a microloan, $23,00 on temporary 0% interest credit cards all for the same business totaling $95,000 in debt.