I am all for building a lasting relationship on here and hopefully one day we can work together to help us live a more "comfortable" lifestyle. 

So, putting aside the variable nature of the HELOC interest vs. a mortgage, wouldn't it make sense to stretch the HELOC to as far as you comfortably could so that you create a situation such that the Interest is deductible against your W-2 income?

I've ran numbers on a 4 plex comped at 400k that I wouldn't be comfortable with for less than 280k.

The whole thing:As I get more and more comfortable with the SFR and Small MF properties I currently own, and the ones I'm working to acquire right now, I keep looking forward to what comes next.

I have been analyzing some deals but I can't seem to accurately (or comfortably) figure out the ARV.

I have often used only one agent to incentivize them to present my offer in a favorable light (it is amazing what an extra couple grand in commission will encourage some people to do) but when doing so I divulged nothing to that agent that I would not have been comfortable telling the seller directly.

I think that at the end of the day your decision with what to so with this house should be guided by the numbers and what you feel most comfortable with.  

I am not totally comfortable just picking one out of thin air, so I would love your feedback on who you use or if you are a lender what your terms are.I have seen and reached out to a couple private lenders mentioned on the boards already.The property I am looking at is in my own neighborhood, so I am very familiar with them.

I'd say that I would be perfectly comfortable with a working class property that is just a middle of the road workhorse.

However, I am very concerned about wholesaling the proper way.I've listened to people at seminars, seen wholesale leads bombarding my email, read a guides, and watched webinars, but I can't seem to find a practice that truly seems comfortable and legal.I understand the general process, put a property under contract, and sell the contract.