How much did you parents pay for the house you grew up in?  

HELOC (Home Equity Line of Credit)Pros:Flexible—you only pay interest on what you draw.Fast access to capital for deals as they come up.Cons:Variable interest rates can jump on you, which kills long-term predictability.As investors, we want constants in our portfolio, and HELOCs create one more moving piece that can eat into margins if rates rise.Banks can reduce or freeze HELOCs in certain market conditions.3.

My job and situation is changed now and can no longer pay the mortgage.

Tenant always pays

People took out a 30 year mortgage to pay off that loan.

I would never willingly enter Andersons commercial market ever again.

I know there is a lot of opinions out there about whether to leverage, or pay off properties.  

I just want to know how to become more knowledgeable about the market in my city which is Las Vegas in Nevada.

Are they struggling just to pay or are they just disorganized? 

You should determine the market rent first.