Originally posted by Danny Johnson:...if you have a thousand keys and you have no idea which house they belong to. ...you are proud of your lockbox collection.Not to side track your thread...but the best thing I ever did was open up a wholesale account at a locksmith and he holds my key.

Thanks, Johnson.

im having the same issue as Johnson H. above.

@George Johnson, welcome to BP.

I know @Johnson H. was obsessed with this topic too, so let's see if he chimes in to offer his words of wit...Otherwise, I'm assuming you have some moola, so why not buy a nice investment prop in the Bay Area that will appreciate long term?  

@Jonathan Johnson..Consider finding  $$$ to get it done HML or Private and refinance after 1 yr with VA loan.  

Likewise, I think I need to paint a better picture of what they are losing out on by not working with me as@Andrew Johnson -- those are some good pointers and I did not think of asking those questions.

Hello Boris, As the Nike slogan goes "just do it."

@Boris Alayev I used to just take all the cash out immediately and dump it in my business account when I was younger...out of fear that the bank may change their mind...and if my money is sitting with them, they have access to it ;) Now I just use what I need...we're in the middle of a renovation and resale...as soon as the property sells, I'll repay the cash taken from the HELOC and repeat (1031 is another story)...I think it's all relative, but I'd be curious to hear how others respond...

@Andrew Johnson thanks for that - it definitely does help!