My thought is I then will have 2 places, take a bigger HELOC and grow. 2nd question.

The fastest growing startup ever (Zenefits) just fired its CEO, implemented a hiring freeze, and was written down by Fidelity 50%.

Growing up in Balto in the 1960's  both me and my brother had a bedroom in the finished attic , you had to go thru my parents room to get up there . ( and somehow they had 2 more kids) The door was narrow , beds had to be pulled up and thru a window .

There is no way to "pay down" the mortgage being that it's in arrears, and the balance is growing all the time.  

To add to my predicament, I have recently re-located from Philadelphia to Pittsburgh so my network is thin and my familiarity of the area is growing but not that of those experienced agents I'm competing with. 

It has to be diverse and have a growing population.  

I understand the MLM approach from these companies and see how recruiting helps the companies grow.

I am a guy looking to grow in REI.  

Before joining BiggerPockets as our Growth Manager, I used to consult for small businesses helping them grow their user bases - I often recommended these simple tools to them (or I did it for them).

There have been some big employment wins at the airport and Loves Park is growing.