Hey Zachary I think it's essential to look beyond mere interest rate differentials and focus on strategic benefits, particularly if scaling your portfolio is a long term goal.Key considerations:Pre-payment penalties: Determine if the HELOC has any penalties, impacting your flexibility payoff.Scaling strategy: Evaluate the scalability and limitations of each financing option.Advantage of HML: Allows scaling without hard credit pulls, and no pre-payment penalties.Holding costs: Factor in not just interest rate differences but also ancillary expenses as well as overall goals of scaling.Example scenario:Property purchase for $120,000 with $30,000 renovation.

I just purchased a rental last month with a tenant already occupying the property. 

I've purchased an old house (built in 1937) in August 2021.

I purchased a SFH in probate that had a fully furnished in-law suite in the basement.

You can implement this strategy in any market if you make the right purchase.

Purchase price: $154,000 Single Family, BRRRR.

I have an outstanding realtor I've worked with in Orlando to purchase STRs.

Purchase price: $205,000 Cash invested: $50,000 Sale price: $349,000 Contributors: Peter Vekselman Partner Driven, in collaboration with Seth Choate, successfully completed a fix-and-flip on Wall Canyon Ct, Sun Valley, NV.

Purchase price: $139,000 First longterm investment property What made you interested in investing in this type of deal?

I'm trying to determine if I can qualify as a real estate professional.