Where it really accelerates is if you typically don't spend all your monthly earnings and you have money left off after all monthly expenses and that money stays in the HELOC.

But even if they do, the tenant could still argue that I am the one who borrowed money to finance the real estate so i am commingled.

I have some investment money and I am also looking for a partner!

I am located at Central Florida area, and I believe that even with the high prices, higher interest rates and huge supply of real state down here, still out here many great opportunities.The market still hot, we just need to adjust the approach..... at least are my guts feelings.v/r

I put some numbers below into this Rent or Sell calculator.https://www.narpm.org/members/resources/rent-vs-sell-calculator/ESTIMATES ON ROI (15 year time frame)at 5% Appreciation would profit $100K if SELL nowat 6% Appreciation would have $3,500K more if KEEP and sell after 15 yearsat 7% Appreciation would profit 122K if KEEP and sell after 15 years(Assuming a conservative 6% ROI on money invested from sale.)NOTE: The property appreciated 10% in the last year so I’m thinking 7% over the next 10-15 is reasonable.DETAILSSale Value: $520,000 (Best guess)Paid: $437,000Original Mortgage: $415,000Mortgage Balance: $380,000Interest: 3.375%Monthly mortgage: $2,899Mortgage Difference: $1064Annual Taxes, Insurance, HOA etc**: $20,345**$13,865 (Non Homestead tax) $4,680 (HOA) $1,800 (Landlord Insurance)Monthly Rental Charge $3,500*Appreciation 7%Years to Hold: 15More assumptions used in ROI Estimates Above90% occupancy,15% capital gains charge6% selling feeRate of return on gains if selling now instead 6%Annual maintenance 1%Annual rent increase 4%$3,500 is slightly aggressive. unlikely I could get more.Thanks in advance for any constructive thoughts and comments!!!!

I'm a foreign national so my cash outs are capped at 60-65% LTV so even though I got great deals I still reached a point where my capital is now locked into these rentals.

So do your research, but also consider passive investing Visa V syndications or even equity reits, Which have historically outperformed the S and P 500 over 20, 30, fifty years and even outperformed direct, active ownership of real estate by 4 to 6 per cent.

I have a few commercial and LTR but keen to get in to STR for some monthly returns but also as  a tax strategy. I’m in Sarasota but I like st Pete.  I was originally looking at Indian rocks beach but have extended my ...

First, you are paying interest on the existing mortgage, then you will cash out the equity and start paying interest on that money.

Everything I have read says I wouldn't get a 2nd conventional loan right away even though my numbers are excellent (credit above 800 and over $500k in my 401k with a monthly pension).