Anecdotally, I had a $50k HELOC on a property once. I wanted to avoid something happening like the bank being able to freeze withdrawals from the account. So, I

Anecdotally, I had a $50k HELOC on a property once. I wanted to avoid something happening like the bank being able to freeze withdrawals from the account. So, I withdrew all of the money from the HELOC and put it into a personal account. The interest rate was around 2.75%, so I was only paying around $100-150 per month. It was a huge lifesaver when I was in a tough situation.