I'll be pushing the current limit of my HELOC (only 20k left) which will be bad if more emergencies come my way.5.

By summer I should have a good emergency fund, and even if my future share of rent when I move in with my partner is $1,800, I could still have an extra $1,100 to contribute to the loan.

Keep an eye out for emerging areas or places where you've got a strong gut feeling about growth.

Maybe 2 non emergency service calls in 3 years.

@Nathan HardenThey have one called emerge which has no net worth requirements but is based on same principlesHighly recommend

Then pay off all the credit cards and create an emergency fund for your personal life and an emergency fund for the rentals. 

Often comes with lower interest rates compared to HELOCs.Considering your preference for flexibility and continuous projects, a HELOC emerges as a prime choice, providing on-demand access to funds without the binding fixed monthly commitment associated with a HE Loan.

If it’s an emergency you need to be there asap, if it’s not an emergency then you don’t want to have to fly somewhere to handle it. 

DIL when done right also requires a current appraisal, legal expenses, etc.I have what you might call an emergency, break glass type of arrangement.The original purchase agreement needs to identify exactly what constitutes a buyer default at which point upon notice of default being given the duly appointed attorney-in-fact for the purchaser conveys the property back to the seller.

Using that 100k for a 75k DP on a 300k property, 8k for closing costs, and having the 15-20k in reserves for emergency repairs is a good place to start.