I found a post on White Coat Investor about using multiple 401(k)s via a SoloK or some combination thereof with an employer 401(k) to allow one to defer more than $132k (I'm married) into retirement vehicles. 

I don’t want to spend too much time/gas/vehicle-wear-and-tear.

We arrived at this point after MANY wasted hours reviewing video for something that didn’t even happen, or that happened elsewhere (vehicle damage, etc.).

.#2 is the automation of vehicles.

I already own a car, but it is almost 16 years old and needs a few minor repairs, all of which I can do myself, but the temptation to get a new or "newer" vehicle is high.

After becoming debt free and selling almost everything I have and have worked for I should have around 5-6k per month in liquid finances after child support and I want to use real estate investing as my investment vehicle.

The HELOC is not a good vehicle to hold debt over the long haul, but is perfect for having the flexibility to pull the cash when the right deal comes up. 

I believe in Indy as a great rental market but I just use a different investment vehicle (SFRs).

Markets where $60K can get you into either a turn-key cash flowing property, or with some leg work and networking you can find properties that need work and then flip/BRRRR.My thinking with starting with turn-key is immediate cash flow and using that first property as a vehicle to begin building a team in the market which will make finding, fixing and renting below-market properties easier.

If you allow $5000 you will have a lot more potential investors available and be offering your fantastic investment vehicle to a lot more people that really could benefit from the opportunity.