@annik C- V.

At what point would you decide to go all cash vs leverage for me in large part was due to my conversations with my Banker and where they wanted to be vis a vi LTV on the construction loansand for us to be able to ride out some heavy weather.. remember in my deals they are construction there is NO cash flow :) 

Originally posted by @Scott V.: I had been putting a good amount of money into my Schwab portfolio and investing in some basic index funds but I took all of it out last year.

Its like getting paid to invest.. not sure where your price points are in your market vis a vi how much the average sale is so you can figure out how many sales you need a year to say knock down 100k or better....

@Jeff V. - I too would like to know what lender you are using for a 2nd position HELOC on an investment property, as every lender I ask about getting a HELOC on a rental property with a mortgage and plenty of equity present say NO before I even finish asking the question.J.T.

Hey @Jason V.

Examples of financed properties that do not have to be counted in this limitation include:■ Commercial real estate■ Multifamily (five or more units) real estate ■ Timeshares ■ Undeveloped land ■ Manufactured homes not titled as real property (chattel lien), unless the property is situated on the land that is titled as real property ■ Property titled in the name of the Borrower’s business provided that the Borrower, in his or her individual capacity, is not on title and/or is not obligated on the property■ Property titled in the name of a trust where the Borrower is a trustee, provided that the Borrower, in his or her individual capacity, is not on title and/or not obligated on the property (iii) The monthly housing expense related to the Borrower’s current Primary Residence must be used in calculating the Borrower’s monthly housing expense-to-income ratio (iv) Regardless of whether rental income from the Mortgaged Premises is used in qualifying, the reserves requirements in Sections 5501.2 and 5501.3 must be met (v) The aggregate negative rental income from all rental properties must be treated as an obligation and considered in calculating the Borrower’s monthly debt payment-to-income ratio (vi) Borrower Funds must not include gifts from a Related Person or gifts or grants from an Agency as described in Section 5501.3(c) (vii) If rental income is not used for qualifying, the monthly payment amount (as described in Section 5401.2) for the Mortgaged Premises plus operating expenses must be used in calculating the monthly debt payment-to-income ratio.

Rigo V.

Originally posted by @Gilbert Dominguez:@Tom V.

in 09 in the depths of reflecting personally back on 30 years and what the heck just happened vis a vi the real estate space.I was comforted in the fact that even though things were so ugly..