I want to access the equity in my home for other cash flowing assets w/goals of maximizing the spread btwn the interest I'm paying on the HELOC and the interest I'm earning on the asset.One major downside is most HELOCs are adjustable rate, and I'm certain rates will be increasing even more in the near future, so finding a bank that has a rate-lock option is my hedge.I've looked into this strategy a lot, seen the comparison numbers, and am still looking into different utilization strategies. 

Thanks for the insight, a possible portfolio loan could be an option.

The last resort option of course is to list them for rent, possibly your market just can’t support $120k for in-park homes?

If that is how the plumber runs their business another option is to pay it but blast it out on social media in your area about that plumber.

There were options that would have made better investments, but the lifestyle this enabled fit perfectly.

If you're looking for cash flow today your options are basically limited to the midwest. 

If it is tied to the home, you have a few options:1) include electricity in the rent (down side with that is tenants may be less diligent with electricity use and increase the bill)2) have the tenant pay it and include a copy of the statement every 1-2 months to show that it is paid in full.3) have the bill in your name and send a copy to the tenant each month (or whatever the billing cycle is) and they can add the balance to their rent each month. 

Lots of options!

I have not done a lot of research yet, but I imagine that others in town are begining to wonder about their options as well.Being creative and building are the parts that I'm passionate about, so I'm not interested in cookie cutter designs or paying others to do what I consider to be the fun part.

Another option is buying a SFH with an ADU (a garage apt, tiny home in the backyard, etc).