Simply buy and hold?

Don't have quite enough in savings, thought we would pull from retirement but discovered pulling from retirement places me into the next tax bracket and will get smashed with taxes, then try to get a HELOC and appraisal comes in crazy low, giving us a super low HELOC.

I discovered a new phrase yesterday (tax years) and I am not sure if I am smarter or more confused.  

You can also simply do this in Excel. 

We don't have big dreams and are simply generating living expenses and our future retirement (whatever they looks like).

You don't always have the option of financing - Sometimes the property conditions precludes financing, and often you are simply competing against other cash offers, making financed offers non-competitive. 

There is a TON of information to discover with REI, so try to focus on the stuff that really applies to you or that interests you. 

Easiest is to simply divide it by the number of people for anything that is variable (eg heat, electricity). 

Simply, REget's so expensive that demand dries up.

I am simply third party.