What you're spending the money on doesn't matter. The question is whether the investments you have will outpace the loan amount. It was one thing when interest rates were 2.5%, but completely different when you're looking at a 7% (or whatever).

The only way you should be asking whether the real estate returns will be bigger than the investments is whether you should do it at all.

You're talking about taking out (let's say) a $50k loan so you can keep your $50k investments. How is that not the same as taking out a $50k loan to buy those investments instead?

This. Would you borrow however much money at 7% to put in the market? Because if you borrow money for renovations while leaving your investments in the market, that's exacy what you're doing.

Worst home climbing wall ever.

Well, you know their uteruses might fall out...

Nah, now they're just your mourning fireworks.

Or something cheap enough that I won't care. I've found pretty decent earbuds in the $25 range, and I don't care if I drop the case in to the water while kayaking (done it), lose them somewhere (done it), etc.

Why did Helen Keller's dog run away?

You would too if your name was Arrroughmaromoorrowaughgibt.