Unless you're a high earner thats 15% fed. 

Hoping the Fed will be done soon and the dollar doesn't get trounced by the BRICS nations.

When the Fed decides to raise rates, prime will raise as well, thus jumping your HELOC percentage. 

I suggest you read carefully the SAFE Act both federal and Cali, and understand, in those instances where any state Act does not meet the intent of the federal Act, the feds will prevail as determined by HUD.

Hey Tony, I'm green as grass but I read this blog post by Clayton Morris about using HELOC's: http://www.claytonmorris.com/blog/2015/7/21/using-...He was a recent guess on the BP podcast.

But if you can hold the grass may be greener on the other side…long term. 

Something such as yard maintenance must be very clear- how many times per month; maximum height; fertilizing and watering schedules; are they responsible for trimming shrubs and trees as well; leave cuttings on the lawn or bag and remove; and any other requirements, including that the yard must be restored to move in condition when they vacate (due to dog runs, lack of watering, parking on grass, or whatever).4) Maximum SD will be determined by local law AND you need to consider Fair Housing as well.

I don't cut the grass, save for the roof or exterior paint.

About 30 mins ago, the NY Times just uploaded an article that may affect interest rates.Nationally, investors are gearing up for another rate hike by the Fed.

They brought it up to me and I said no due to liability reasons,  killing of the grass etc. they’re great, they’re responsible and I have a little one too and he loves his play set.