Hi Vlad,I think this ultimately depends on your goal in really state.

I live in single family home and pulled out a HELOC because I want to start investing and build generation wealth for my family.Please advice what is the smartest, safest and cheapest way to reach my goals Ty

You have to decide, are the returns the investment generates satisfactory to you and do they align with you investment goals? 

That's a solid explanation of how cap rates are commonly used, especially in the context of large multifamily properties.

Particularly be sure to include your goals for real estate investing so that folks can help you. 2) Follow your favorite forum topics and set up keyword alerts!

Paying about 200 to 300 a month to essentially just "have it" and let it appreciate and see what happens.my short term goal is to increase savings cash assets and equity in next 5 years so i can buy a couple of investment properties that provide extra monthly income while increasing in value.

There’s no universal standard since it relies on two main variables–your investing objectives and current market conditions.Some key factors influencing a good cap rate include:/ Property location/ Building condition/ Asset type (class A, B, C)/ Overall real estate market dynamicsTaking these into account helps set realistic cap rate expectations, but historically, rates between 4-10% are often seen as solid.Of course, a “good” cap rate for you might fall outside that range based on your investing goals and the specific property/market, so don’t get hung up on chasing a specific cap rate number.What is a good cap rate for your market?

Outright bans are not common.

@Rahma Zaghari This is very common here. 

I would look for a different loan company, and then deliberately seek to establish relationship with a "goal getter" loan officer in that company, be very clear about what you want and don't settle for an under performing officer.