Thank you again. Maybe housing market is still

in deflation in the country in general, but currently I can't really find a good deal house (the price is going up quickly and I'm afraid that I'll be left by the train). My HELOC interest is only $5000 after tax deduct, this is not a problem as long as the prime rate is low. I do see the risk if the prime rate goes up quickly in two years, then I'll have to tap my other funds, but it's still manageble. On the other hand prime rate won't go up quickly if the economy is not good, right? So I have some collateral here. Is my thought logical?