Are you sure? Early 2010, which was Irvine bottom ( Martin can confirm), aapl was trading ~$10/ stock. Currently, ~250 ( probably a peak as Buffett started selling ~$185). So, a $100k around that time will give you $2.5M. May be I missing something?
As I wrote when I started this thread, mark my words—10 years from now, this will still be true: Helena is the best investment anyone could do in Irvine.
I don?t think there is a thing as fixed rate HELOC. Typically, they are tied to one of the indexes?such as WSJ prime rate etc. What do you expect WSJ prime rate to be in 2023?