They do increase the reserve requirements, of course.

You have negative cash flow (which is normal while House Hacking).To improve the deal you would need to have a lower purchase price and/or be able to increase rents.

Objective: I am really interested increasing my rental property portfolio reaching certain amount of cash flow.

Am I improperly estimating the expense and income increases that's affecting profitability?

In most part of US the last 6 years in every neighborhood home values increases 8-15% a year.

In my case, I want to keep properties in different parts of the country and have a good property management company to take care each of them (so less headache and more time to focus on increasing your RE Assets).

Also increasing coverage a lot does not cost much as the insurance company knows that suits above $1m are rare.  

They built community centers, and increased the police force by nearly 35%. 

@Phil Baker do yo think oil is poised for a large increase?

@Patrick MartoneIf you refi out of your HELOC, your line of credit will be closed and you will no longer have access to it.If you have a bunch of equity in the subject property, you could ask the bank to increase the line OR or you could get a new first and at the same time pay down and subordinate the HELOC.