Who is this benefiting?

There are additional benefits to the seller, too, as they are receiving interest on the payment and there are some tax benefits as well (I'm not an accountant!).  

While analytics tools like RankBreeze and IntelliHost are great, I’ve found that even small tests.. like rotating photos or adjusting captions.. can reveal surprising trends.Your approach to CTR optimization is spot-on, Garrett, and I’m excited to hear how these techniques work for you.

For example its difficult to comp properties in Texas with Zillow as its a non disclosure state.As for factoring in renovations, we use a price-per-square-foot comp model adjusted for finishes.

Money left in the account that isn't needed to regular bills and expenses, remains in the HELOC and compounds the savings benefits.

If you don’t pay it back, your death benefit shrinks.Low returns – We’re talking maybe 3–5% long-term.

Purchase price: $265,000Used VA loan benefits to purchase home

Then adjust a little depending on your market/location.

To maximize your benefits, you want to confirm that the property will be treated as active instead of passive.

Ops/Reserves (35%): ~$2,145/monthNet Monthly Cash Flow: ~$77/monthAnnual Cash-on-Cash Return: ~0.5%Cap Rate: ~5.25%DSCR: ~1.15Reality Check (from the field):Most serious investors right now are looking for:1.3–1.4 DSCR for stabilized hold5–8%+ cash-on-cash or a clear path to return equity through a refi or value-addWhere This Could Work:Price adjustment closer to $800K–$850KBundling with adjacent assets to create scale for future exitOr if there’s a refi strategy within 2–3 years to pull capital and de-risk the holdCurious to hear from others in the group:Are you underwriting sub–6% cap deals right now if they’re turn-key?