Exactly the same as if you were making 100k more in income...because you are.Don't forget to take advantage of depreciation. 

Is there any advantages to taking out a HELOC vs a cash out refinance?  

I know the money might be gone, but I can't in good faith walk away knowing that there is a REA taking advantage of people.... 

I don’t understand why anyone wouldn’t take advantage of these options in the short term?

I live in the Bay Area and at hopefully taking advantage of lower rates and purchasing a duplex in the next month or so.

This is a great time to take advantage of lower interest rates, as rates have just gone down again this week.

Take advantage now if it makes sense.

That should be enough for them to catch back up on rent within the next two months.There will be tenants that take advantage of the situation.

Your tenants suck at managing Money or just spend to much or whatever.They likely are taking advantage of you.

I am able to pay my mortgages and what not but I figured perhaps it would be good to take advantage of these programs for a little bit but was worried on the effect that it would have on my credit.