I should also mention that I was nearly convinced by a friends sister - had the plan and papers ready to sign ( she is a broker for JP morgan ) that I should use some of the equity in my properties to invest and use as a tax write off. Looking at this now it was pure madness, especially considering their fee's and her cut. Much happier now.
Now especially with a family on the way I really need to make the "right" decisions for our future - perfecting timing on reading this thread..