Remember, the loan is a contract between the borrower and the lender.

Just remember no two firms are the same.

I am currently inclined to buy another one as the HELOC interest is 100% tax deductible hence I may keep it as a “never ending” nor growing debt. 

I am currently inclined to buy another one as the HELOC interest is 100% tax deductible hence I may keep it as a "never ending" nor growing debt.

The only issue I've found is either the value or the taxed amount (I can't remember which) can't be reset below the first valuation (sometime in the 1980's according to the assessor) but that's still pretty darn good! 

Or should we find another way to get cash to grow our portfolio?

Just remember, you have to know "why" you have these policies so you can know "when" to deviate from them.For example, requiring 3x the rent is pretty safe.

The solution is to dump Stocks and buy an investment that gives cash flow and grows.

Done properly, everyone wins because then everyone doesn't have to grow their own food and build their own house, allowing us to specialize in what we do best. 

If you're looking to grow your portfolio, I really like the HELOC angle.