A Canadian strategy: as your regular mortgage payment frees up principal, you re-borrow that room from a readvanceable HELOC and invest it. Because the borrowed money buys income-producing investments, the HELOC interest becomes tax-deductible— you're gradually converting non-deductible mortgage debt into deductible investment debt.
Keel models the HELOC balance, weekly interest accrual, and the re-borrow factor explicitly (it tracks cumulative interest so a future tax integration can pull it). It runs an explicit draw → paydown lifecycle rather than drawing leverage forever.
Was this helpful?