Look for a new market, run the current numbers for currently used markets, and rerun the numbers for previously eliminated markets...to see if they are still out of the picture.Situations change, markets change, so you must follow the changes and adjust.

@Christopher Brown Two of the common areas of concern for HELOCs I see out there is the 10 year maturity date and the adjustable rate.

So if the 0% rate thing is ok to sacrifice for a higher LTV then seek out some different options just for comparison.I do want to mention that two of the common areas of concern for HELOCs I see out there is the 10 year maturity date and the adjustable rate.

You just have to keep your eye out for the signs that things are shifting and adjust your investing accordingly. 

We have the benefit of learning from so many people on this site that have already been through the ups and downs we will face eventually.

My own home in Florida got struck by lightning.Lost several home appliances and my front yard and drive way have a big hole.Does anyone know of a good Public claims adjuster in PalmBeach County

However, if the agents aren't doing their job in selling the properties, we will adjust to do what's best for us.

What are the benefits, and how do they hold up in court today? 

I have not read the book but there are two areas of conern for me: The 10 year maturity date and the adjustable rate.

That way you have the benefit of long term access to equity, without locking yourself into 30 years of higher interest-first payments on day 1.