I've looked at Quickbooks, Stressa, Harvest...etc.

Harvest is a good market and desirable for renters.

Tax StrategyWhile liquidating the brokerage account may trigger capital gains taxes, strategies like staggered withdrawals or tax-loss harvesting can help minimize the impact.

You get to harvest the equity tax free.

I do remember the days when I could of harvested the coins, but I had a Win98 machine hooked up to a dial-up modem.

  +100 acres of undeveloped land for the purpose of conservation, hunting, and timber harvesting. 

I heard a podcast the other day with a host saying something along the lines of "there's 3 phases of investing: starting, scaling, and harvesting."

I bought 14 houses basically for free by harvesting the equity in my houses by doing 5 cash out refis.

And every year the same families came up from Mexico to do the harvesting for us and then returned .

NEVER borrow from a 401K, you are taking pre-taxed dollars and paying it back with after tax dollars, you do not get to return the loan with pre taxed dollars, in addition, some 401K plans do charge interest and maybe even fees, and lastly if you get laid off for some reason, it is a distribution with all the "fun consequences: tax at the last dollar rate, and if you are under 59.5 there is also the additional 10% penalty.Personally I like the HELOC, however you can also sell stocks and do tax harvesting there to offset gains if that is an option