<prompt> Human: I have the capability of applying for and getting a HELOC between 35k and 100k. Any thoughts on how I can invest that money? The interest rate on it would be between 4-5. I would need to find an investment vehicle that would net more than that in order for it to be worth it. Im open to all kinds of ideas, not just stocks and mutual funds. For example, Ive considered buying a car and using it as a rental on Turo.com.  <response>: I would need to find an investment vehicle that would net more than 5 in order for it to be worth it.The HELOC interest rate is a certainty; no investment return is. Dont do this. It is not prudent. It is not wise. 