For example, if you are in a secured position and invest $25k and can get 10% per year at $2500 or you can get 15% unsecured which is $3750, are people willing to risk the extra $1,250 a year where you could lose all of your $25,000 investment compared to being secured where chance of losing it all I would view as astronomically lower?

Umbrella insurance policies can add an extra layer of protection across your portfolio.

The extra cost is typically well worth the benefit. 

That would mean the extra 5k would technically come out of my pocket, right? 

We will take the quick deal any day over making a few extra thousand bucks.  

Remember to always budget 10-25% (depending on age/condition) extra as a buffer.

. :)   I'll likely do the HELOC and not worry about the extra taxes on gains over $500k when I finally do sell someday. 

It will take extra work at first, but the payoff can be well worth it if you’re up for the challenge.I won't sugarcoat it—BRRRR isn't easy, especially when you're juggling everything else in life.

I don’t want to underutilize the equity on this property so I feel like taking out 100 grand on our Primary where the rates suck already and it will only cost me an extra 600 or 700 bucks a month. 

You would build equity in your own property and could save an extra $2,000 a month.