@Dmitriy Fomichenko not sure if you were aware, but depending on your income and circumstances, you can convert that money into a Roth IRA, tax free.A friend of mine lives in Washington state (no state income tax) and his taxable income is about $50k a year.

Just be aware that (1) you can easily do whatever it is Tardus is selling much cheaper elsewhere (2) Tardus special investments for members only are mundane investments available at the same terms to anyone with a computer and internet connection and (3) the strategy of borrowing from a HELOC to juice returns carries with it a much greater risk than is apparently disclosed. 

Are you aware that over 80% of Wall Street / Stock market companies DONT last that long?     

They raised it and it is in the wild. 

Ill give you a prime example. 46218 is a war zone by most investors stand point but guess what Zip had the most cash transactions over the last 3 years......46218!

I am profitable right now (cash flowing between $1200 and $2500 per month depending on the season), but don't have any desire to raise my monthly payment with a cash-out refi (nor am I likely to match my current rate).

There are many things I’ve read here that I wasn’t aware of.

Requesting to screen tenants again might raise concerns.

Does NOT mean you will NOT cashflow right away but most of the time in San Diego you are buying to ADD value, raise rents and finding other opportunities to raise your cashflow like; add AC, laundry, storage, etc. 

Quote from @Aaron Fuller: Walk away.Rents could "likely" be raised to $8,000?