For comparison, Lending Club approved me for up to $36,000 at 13.5% and Prosper maxed out at $15,000 with similar rate. 

Both markets offer certain advantages and disadvantages in comparison to one another.

My question for those of you who might have used this is, How accurate is this report/comparison using the "reinsight search" function?

Since your wife maybe prefers this, maybe run a side by side comparison of paying off vs scaling quicker that you can both study. 

@Joe ShayIn this scenario, I would do a comparison of the pros and cons of each:HELOCProsTapping into equity that is not really being used.Keep your immediate cash to be leveraged for other acquisitions.Relatively easy transaction (from a documentation standpoint)ConsPaying interest on the funds used (this should be factored in your acquisition budget).Lower overall returnUsing your own moneyProsPotentially higher cash flowLess paperwork - no need to secure two loans (HELOC and traditional)ConsReduced capitalHow does this individual transaction play into your long-term goals? 

I don't know why but I consistently get the deer in headlights look when I try to explain the reasoning and engineering of purpose-built construction and preparing a unit to be a rental, so I will use a comparison.

I like the Triad for flip opportunities but I fear if there is any slow down the Triad would be hit first due to the lack of diversity in its economic drivers in comparison to CLT or RDU.  

For a homeless guy sleeping on a street corner, the guy in the next block with a nice box to sleep in might have too much.I’m comparison to a large % of people, owning one house is extravagant.If you were buying 1000 houses as art and not letting people live in them, well, that would be a problem.

I should mention that the first few years, I did get my own quotes on the side for any work she said needed to be done and I still get my own quotes on major work for comparison's sake.

I was blowing all of my military salary on train rides all over europe at 20 so it’s not really a comparison