If I could tell myself years ago what to do, I'd tell my self to pump the brakes cause that deal you think is "the deal" really isn't.

Somethings you can keep but should be familiar as any place old or new will brake down. 

The same reason why I pay someone to cut my grass and change my brake pads.

Try brake cleaner to get it off

Just reiterating why putting money on the LOC is the equivalent of 'dragging the brakes' with the so-called 'velocity' method vs just maintaining a $0 balance LOC while putting the same amount of extra income towards the mortgage each month.

I would look into the market or go with a plus account and put this on there where lenders can respond without braking the rules. 

For people who don't know it, in a few words, the PILOT program offers significant tax brakes for 10 years if the owner invest $1M in renovation.