We all start somewhere so the key is to build an empire based on principles that YOU are comfortable :) We don't follow the 1%, 2%, or 50% rule but we have a business plan that works best for US.

There are no agents, just "associate" brokers and Principle Brokers.

Cash ROI =47*12/50,000 = 1.1%, amortization (you are probably paying 200 a month on principle with minimum payment) = 4.8%.  

Ambiguous phrases are intentionally used to cast the net.The principles behind these clauses are not going to be eliminated, not likely especially with a new borrower.

We follow the Southwest Airlines principle. 

We all start somewhere so the key is to build an empire based on principles that YOU are comfortable :) We don't follow the 1%, 2%, or 50% rule but we have a business plan that works best for US.

The substitution principle answers your question.

It just under $200 and i understand the principle, but it can turn into a larger problem down the line if its not taken care of.   

Trying to get an extra few percentage points of return is either going to lock up your money (long term loan, CD or similar) or open you up to a real risk of losing your principle (stock market or mutual funds).

I like the HELOC because your principle will remain the same, youll have access to about the same amount of money at a low interest rate and your cash flow will remain what it is today.