I am a blank slate on this one, I will let the property speak for itself and let mathematics guide me. 

Anyone that says DMM is OK has no clue about marketing and I can MATHEMATICALLY prove this to you.No matter WHAT you change with your DMM system .. it is completely irrelevant.

@Hoyoon Chae how much the house appraises for is going to be a pretty mathematical process.

I'm not sure there would be a lot of naysayers telling them to forego it in search of something much much better.This is only in question because of the desire to fund the downpayment out of the HELOC leaves a temporary deficit, which I have shown mathematically is more desirable than waiting 31 months to save up that down payment.  

There is absolutely ZERO strategies in counting on a "numbers game".Furthermore let me prove to you mathematically, that it is NOT a numbers game.If you were to cold call half the nation, then yes it COULD be seen as a numbers game.

I understand mathematically, it probably makes more sense to refinance and invest.

I am completely new to investing and I am coming to realize that I am not as familiar or comfortable with the terms as I need to be as well as the mathematics.

It comes down to a mathematical tax burden problem.  

These days I see the whole thing from a bit more of a mathematical perspective.

What you might not know is that at each and every one of these instances were directly followed by a recession or depression.I hear a lot of folks say that our kids and grandchildren will have to pay this "debt" back when in fact no one is going to pay this back and as long as our country maintains a trade deficit the federal government will not be able to balance the federal budget for any meaningful amount of time as the private sectoe mathematically would not be able to sustain the drag.