If I'm satisfied with both then I'm comfortable. 

I have learned variability in Heloc's are common. but that seems like a large range. especially since there is no "safe period" where the interest rates wont change for so many years like an ARM.The same lender could also give a cash out Refi at 100% but that would really increase my debt service on my current house to higher than would make me comfortable. not only would my principle go up but i would also have to increase my flood insurance coverage by 50k which is a substantial cost.

Comfort can be low if it allows me to put more money into my investment.

The master bedroom has  boat oars above the headboards that are painted to match the comforters.

1st thing you should look for is something you're comfortable with.

I believe it should be what terms do you feel comfortable lending at, as well as what you negotiate with the borrower.

@Greg Dickerson Once I get more experience & my comfort level goes up, I think I will get to that level.Thanks!

I'm trying to do this sans partners because I haven't researched enough to feel comfortable so it somewhat limits what I can buy solo

Jump into a puddle first if that’s your comfort level, then move into a pond.

It shows that when they will not be so comfortable and not be Able to pay the rent they won't care either, and if they will have an other expense that they want to buy at the time they will rather buy the other stuff rather than paying the rent.Its not a fact at all, but definitely a concern