Again I don't recommend using the HELOC to buy a LTR unless you can force appreciation heavily and refi out the HELOC.Regardless having a HELOC out is a good idea so you can be your own bank and fund a flip or BRRRR.I would go with the 300k as it might take time for me to find a deal and I would have more resources for bigger projects. 1% isn't too crazy... accesss to 100k is better IMO

I appreciate all of your responses

Indeed, I don't want to get into an argument with Henry Clark mainly because he invests there and I don't but also because I don't like being negative, wasting energy on arguing and I highly respect and appreciate Henry and his many contributions to this very forum.

Thanks, and any insight, advice would be most appreciated!  

I appreciate the breakdown and advice!  

I have always appreciated meetups that have not only the fundamentals but keep investors in the loop on what is going on and how investments might be affected.Maybe have a special guest or other investors to speak or share experiences, ideas et. 

I appreciate the insight.

As I continue my renovation journey and explore ways to enhance my home's value and appeal while saving money on insurance costs, I would appreciate any insights, tips, or advice you have to share.Thank you for joining me on this journey, and I look forward to hearing your thoughts and experiences as I continue to navigate the world of homeownership and real estate investing in Florida.

I appreciate your input.

(which probably will bump me to 28% IRS rate)Any experience, or guidance appreciated.