I am curious if anyone is using this product to build their portfolio.

It is a conventional loan that the bank keeps in their portfolio

Kindly let me know if possible.RegardsHi Kemi, I own a portfolio here in Columbus.

While offering the “cash flow tranche” of a SFR might not be viable, the cash flow tranche of a portfolio of say triple net leased properties may be much more viable.  

You are smart to be aware of these landmines, they might be good if you are just looking for a nice place to live but not great if you want to build a portfolio.  

was looking to add brand new SFH to my portfolio.

The 401k is a valuable asset but its my thought that I can use this asset to further increase my portfolio by putting that money to better use.

To borrow against a free and clear portfolio in a creative deal.

If I used the HELOC, the investment needs to generate >9%.I recognize there are many variables not listed here but would love to hear from more experienced investors on more generally how you think about using cash vs. home equity to grow your portfolio in the current environment. 

I would consider doing a portfolio loan in the future but for now thats not necessary.