That should come from the why.If you have not already done so read Anthony Robbins awaken the giant within and do the written exercises in the book . 

I've had people with recent evictions--not at least 3X amount of rent in income per month--not able to come up with 1st month's rent and deposit to move in--a family of 7 people wanting to live in a 2 bedroom apartment....screen, screen, screen, no matter where you invest. 

Due to this, I'm not able to be as aggressive and flexible on picking up more houses to flip/spending money on marketing.

(He says with a giant smile on his face).

Our "online" giant Quicken/Rocket does most of the "cookie cutter" stuff in the entire USA, which means agency loans like Conventional, FHA, VA, and USDA with some jumbo mixed in. 

Hello BP Friends,In early 2020, I set out a goal to purchase at least one property a year either through house hacking or through a good positive cash-flowing (CF) MFU.I managed to do that for the past three years; and, due to macroeconomic conditions (high interest rates, demand/supply, etc), I was not able to execute the plan in 2023.

When you do it that way, there's success waiting for you at the end of the rainbow.When you rush, are hasty and do not manage your working capital well at the end of the rainbow is a big giant abyss you fall into never to be seen from again. 

So what I mean specifically for him as a risk is if he were to buy a bunch of properties leveraged 99% somehow with his 3 million and then his monthly gross incomes were not able to support that debt service due to Capex or vacancies or whatever he would then be paying out of his own pocket to support holding onto the property.

Hopefully, this makes some sense and doesn't sound like a giant rant haha.

I've seen typical numbers of 1%-2% higher than your current rate.What HELOCs are designed for is to be a giant credit card.