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whats going on guys this is chandler smith and one of the bigger questions that i get asked is hey is it worth it to use a heloc and so in this video im first off going to explain what a heloc is im going to talk about the pros and cons and then im going to show you the situations i think you should use a heloc and the situations you most definitely should not so with all of that being said lets jump into it all right guys if youre new to the channel ive been investing in real estate for the last nine years i currently own 162 units of residential real estate and over 160 storage units that puts me just north of 25 million dollars of real estate so throughout purchasing all these properties ive had the opportunity to use a lot of different financing as a matter of fact im over 10 million dollars in debt right now so i have a lot of debt and thats okay because if youre using debt properly its a good thing if youre not it can be a very bad thing and in this video im going