I prescribe to JLCollins Simple Path to Wealth that advises low-cost funds.

People are equity rich, not tapped out.Here is the link to the full article if you want to take a gander: https://www.keepingcurrentmatters.com/2020/03/16/5-simple-graphs-proving-this-is-not-like-the-last-time/?

I believe it still is if used for investment property but it's not as simple as it used to be and I encourage you to keep records of when the HELOC is used for anything you intend to deduct.

It's still not as stable as a tripod but it at least stays up during a slight breeze.It's very simple.

They are required to submit quarterly and annual reports to the Department of Real Estate and all the Companies are listed on the DRE's website.In CA, in order to vet a Broker from an Actual Lending Company (lender will be cheaper since you wont tack on the broker fee), you could ask a couple simple questions:- Do you fund loans under a CFL or DRE Broker's license (if they say huh?

A simple email containing the terms of your offer, reasons behind it, and the PDF attached would work well. 

The one I filled out was very basic and simple.

There is no simple answer to this question.

It is NOT simple. 

I have very similar views to @Scott TrenchI'm a buy and hold rental investor with a goal of buying 1 to 2 properties a year until I get to $20,000/mo in gross rents.My financial plan is simple and I divide it into different categories:6 months of personal living expenses as cash in the bank.