By contrast, it sometimes appears that the HML that are a little lighter on the rate (still high, but not THAT crazy), but with higher fees (clearly this is their money maker), really REALLY want to ensure you get out of the HML ASAP, so they can get paid back, allowing them to re-lend that $ and collect those high points/fees from the next person ("velocity" of $ is the concept, if you want to google...

Buy 2-3 One to Four Units and rent on AirBnB or to a Long-Term Tenants depending on how much velocity you want from your money and how much you want to be involved.

On average, how quickly does it take folks to find a deal and get an offer accepted?Once an offer is accepted, how quickly does it take to close?What are the things that most commonly slow people down in the process? ...

(I teach what I call the OOS SFR TK Strategy).In that scenario, you could see if you like to use HELOC as an option to purchase, or maybe keep HELOC as an option to grow your portfolio.In a residency situation, the most efficient use of your available funds would be to use as little as possible for your residence and keep as much as possible for your investing goals.There are a few other strategic options to increase the velocity of your money but that would have to be discussed.

@Adam SharpIf you have access to the MLS, look up comps in the area that closed in the last 3 months due to the current velocity of the market.

It seems like the seasoning time before refinancing would be a pretty strong governor on the velocity of your money.

If they're not, you may not be cash flowing as much as you think.With that said, what happens to your investing velocity if you continue to hold?  

plus folks are ignoring the velocity project which has already housed 2 companies...

However, you can see north of 15-20+% cash-on-cash return and the velocity of your deals can be way quicker with smaller multifamily or single family deals. 

I have been studying the BRRRR strategy these last couple of months and definitely like the benefits and the potential for increasing the velocity of my money.