You are being a little short sighted here. Time is probably on your side. Historically you are going to earn 10 to 12% indexed to the market. So yes you have to beat a rate of return. Additionlly you are liquid when you need to be. Show up at a bank when you need money and you are a high risk and they price to your risk. Borrow when you are a low risk and you have control of the terms and conditions. Fix the rate on the Line of Credit and if interest rates continue to go up you are in an arbitrage situation. If rates drop back to the 4 % levels they wer at a few years ago you pre pay it back.