You should be able to live frugally on far less than you presently spend on eating out, cable TV, cell phones, entertainment, gifts etc.Get rid of the cars and buy affordable used vehicles with cash, pay off all credit cards at the end of each month, work up your credit score and concentrate on increasing your income.

It should be more then enough time for you to refi out if you think the world is going to implode.The important thing to keep in mind that a HELOC should NOT be considered a permanent loan vehicle. 

I used to also wheel and deal in used vehicles and I am looking to open a used car lot or at least dabble in used cars once again since I'm not quitting my day job.

This policy covers your primary residence, your autos, any recreational vehicles you choose and your rentals as a secondary coverage, over and above your individual policy limits.

--- simply massive wealth transfer vehicles to avoid taxation, and to keep wealth in the family, and to continue generating income on that wealth by lending it out to the public fora profit?

Everything was fine for 6 months, until he took an unauthorized trip home in his company vehicle. 

Importantly, would your own home represent a superb Investment vehicle to keep, once you move?

Evan in the post above had a more precise method. 

Question --is the five year mark calculated with any precision?  

You're not buying a house, you're buying a vehicle to make money.Sounds like the lady would be better off selling to someone that's going to live there rather than someone that's going to flip.Unless she's in a bind and needs the money, in which case what you think you are able to afford can solve her need for cash.