A line of credit can be opened or closed at any time without impacting your existing assets.4) You control your leverage by selecting which properties you want to cross-collateralize. 

A line of credit is great to have in most cases, as it exposes the borrower to more opportunity, should something arise.

Not funding a policy to the MEC limit allows for a higher death benefit and consequently, higher commissions for the agent.If the real estate investor pays the interest each year and treats it as a cost of doing business, the cash value grows by itself and will never create a MEC.The concept is very simple: if you can put your money into an asset that is earning 6-8% interest, and you can get a line of credit secured by that asset, then anything you invest that money into that earns more than your loan rate is creating value on top of the cash value of the policy.

If you’d consider a HELOAN (closed end product instead of a line of credit, but second position so it still doesn’t affect your first mortgage) they are easier to come by.

I believe that if you are in the brink of crossing a line that you shouldn’t cross...just don’t do it.

In reality, all they have access to is a line of credit in case things go south, not any different than having a credit card.

@Michael Haas there are many paints that can be applied at 50° and sunny the one that I've had the best luck wroth is from Rodda they released a line called cover coat xl last year and it's worked great for me so far.

If you want a line above $50,000 you will have to provide more financials.

Does the training help with establishing a line of credit through a trusted company? 

Finally, most HELOCs don't allow you to borrow 100% of your equity in a property (usually around 75-90%), so if you put that money towards your mortgage, you might only have access to a portion of it when you take it back out via a line of credit.