ARM 10/1 financing on rental

[Gabriel Smith]

Hi everyone!

I feel like this might be a dumb question but I've got to ask anyway. 

Im looking at financing options to pull about 20K out of a rental. I have a hundred thousand in equity. My local bank presented me with 3 options, a HELOC, cash out refi and a 10/1 ARM at 4% . Not knowing what the market is going to do in 10 years and possibly being at a peak right now it seems obvious an adjustable rate mortgage would be pretty risky but I'd like others to weigh in. I'm new to investing and I want to make the right decision and weigh out all of the options.

I'm near Fort Collins Colorado if anybody knows the market. 

Thanks in advance!