Where I have used it in bathrooms, the rotting sub floor problems have ceased. 

Gainesville is known for medical and also the U of F.

Meaning after opening the HELOC, 10 years later it will cease to be a HELOC.

I work in the medical field and every day have to work around problems and often Un cooperative people.

I don't mean to preach to you while experiencing such a bad outcome, but it never ceases to amzae me how many people get into investing in real estate and/or they take on a project without having a game plan in place to protect the very funds they are trying to turn into wealth.

I suspect even having an attorney send a cease & desist letter would have little effect.

Columbus overall has seen great appreciation with many new jobs being created from large expansions by companies such as Intel, Honda, Amazon, Nationwide Children's hospital, and Wexner Medical Center.

There is very little financial training offered to young medical professionals.

There are medical bills accumulating pretty quickly right now & as strange as this sounds, better the bills than the alternative.

to me that is not worth it as i have only had 3 late payments in the past 10 years.  1 due to medical issues and forgot paid immediately, 1 due to covid and was a restaurant worker, and 1 because lease expired and they didnt update the autopay for the new lease.