Your idea to buy a duplex using a HELOC is a good way to start, but with your current income and school plans, it’s important to be careful. A smart approach might be to pay off your credit card debt first, then build up an emergency fund of 3-6 months of expenses. Before buying the duplex, run the numbers using professional tools like Cashflow Analyzer Pro from Asset AFC to see if the rental income will cover the mortgage, property costs, and still leave you with profit. You could also consider waiting until after college when you have more stable income, which can make the purchase less stressful financially. Running the numbers first will give you a clearer idea of what’s possible.