What are your goals are for the next few years and how do the two plans fit into them?

Jim, what are you seeking to do, lets connect, we may or may not be a good fit : ) 

You don't want a 100% financed (partially adjustable rate - on the HELOC funds) that likely does not fit your current buying criteria.

I've fired several clients that I didn't think it was a good fit.

There's no one size fits all approach.

You just need to know which clients to work with and who to say isn't a good fit.

Continue being frugal and saving up that cash and strike on a good opportunity when you see fit.

Do what fits your lifestyle goals.

Hi there,I couldn't fit the full description in the title.

If you have never seen the property walk the property first yourself before walking it with a contractor to make sure it is something you would want to take on and it fits your criteria.As part of that walk start putting together a scope of what you would want done.