Obviously I don't know your entire situation so take my thoughts with a grain of salt.That peace of mind you get from a HELOC could be misplaced.

One can write a lot on a piece of paper and tenants will sign it - and then promptly forget about all of it and misplace their copy.

Your more likely to misplace your cellphone, wallet, or kids, than you are to lose data now of days.. welcome to the cloud!

Most wholesale thread you read first thing out of their mouth is  Hey I am only doing this so I can get some cash to buy rentals and enough rentals so i don't have to work.. well there is work in all this the whole mind set that real estate will allow you not to work is misplaced in my mind.

This has helped me in the past when a unit has been damaged and/or small items are misplaced like silverware, pots/pans, etc.

There is no stiff upper lip needed, it's a misplaced moderation issue, but thanks for the input. 

Maybe they've misplaced their swim trunks and can't even get back in.

Most recently, I worked with a client out here in Colorado that let their parade of homes house (from 25 years ago) in a gated community literally fall to pieces; mold between window panes, water infiltrating the kitchen due to lack of roof repair, patio pavers crumbling apart, downspout misplacements that caused water infiltration into the living room....just a mess. 

Just saying..Mistakes is part of this journey some more than others, what you do with mistakes is up to you - learn to be better with costly mistakes rather than get the right education first  or be bitter(many end up here, jaded because of misplaced righteousness and own undoing)?

Your interpretations are colored by your misplaced bravado and low self-worth.