$100K cash or $100K HELOC investing?

[Matt Smith]

Is it better to invest $100K in cash (assuming I still have safety fund) or using a $100K from a HELOC to buy a new property? Wouldn't a high balance on a HELOC decrease my credit score even though I pay the interest every month?

[Joe Villeneuve]

@Matt Smith Didn't you like my short answer...without explanation?

I wanted it to sink in.  I wanted you to think about it.

Now, I want you to understand that they are one in the same thing, so my answer of "both" was said to mean you actually would have $200k in a combination of "Cash" and "cash like substance".

If you know how to correctly use, and re-use the LOC, just like you would re-use the cash, you have $200k to use. Notice I never used the word "spend"...I used the word "use".