The BP one is definitely written by a lawyer so the wording really throws me off. 

Hey, guys, Im always impressed by the value of this forum.I noticed there has been number of folks reaching out to the bigger audience for rehab advice on the layout of their projects. 

Renting has traditionally been seen as throwing money away, as many people also see homeownership as a financial investment in their future thanks to the popular belief that property will only ever rise in value, even if the recession of 2008 demonstrated otherwise.The reality is that allowing for inflation, house prices have increased by just 1% during the last century, representing an extremely poor return on investment, and one that has been easily outperformed by the stock markets and direct investment in businesses and hard assets.

BUT I'd still throw out the higher % teaser rate than going higher in price because when they see the return after 5 years they appreciate that they are going to get the price via expected cumulative interest payments.

I've seen many smaller properties in the Ohio market operate in the 55% - 65% range so that can throw numbers off.

Usually it will be bonus depreciation or S179 to expense the furniture and other personal property (STRs commonly throw off high taxable income compared to tax loss thus S179 finds its way onto the table -- S179 might be preferable to bonus).Cost seg still might be beneficial depending on the acquisition price.Make sure you have a deep convo with your CPA regarding STRs (hint: they usually have an average rental period of less than 7 days). 

Just don't throw something together.

I’m planning on sitting down with a lender to discuss options but I’ll throw this question here.Would borrowing against the stocks work the same way as the heloc?

I don't think throwing more money at a bad situation will make things better.Terry

Or even when attempting to narrow your audience using filters.What I am trying to do is use the 'custom audiences' (and later, 'look-a-like audience') methods.