Loan: What would be the best loan option?

[Jorge Mayol]

Help me figure this out. Back in 2021 when the rates were super low. I refinance my home at 2.1% for 30yrs. I started looking to invest right after (hence the reason why i wanted to lower my mortgage payment) and the broker is asking me to refi again with the VA Loan and pull out around 80-100k to invest.

My dilemma now is that the interest rates are way higher, although lower than my previous 4.5% from 2015.

Here is the question: Should i refi with VA and pull out the 100k at a higher rate than i currently have or should i get a separate loan (HELOC) for around 75k at around 6% interest for 15-20yrs?

Credit is close to 700s +-10

i have been trying to run every scenario and I'm coming up short.

Thank you

Jorge