2nd house hack help!!

[Devon Shives]

Currently have a duplex I’ve been in 3 years

Mortgage 3.65% pmt $850

Tenant pays $875

Heloc $30k——monthly $291

The issue I am running into is

Rates are so high right now and it’s a lot harder to find another that will cover full mortgage.

Does it make sense to leave somewhere that it is full covered to go to one that is not?

Granted once I rent out the unit I leave, after vacancy and everything we would cash flow almost 400(minus heloc as well)

All the deals I find. Rents are low and prices are high. We would have to come oop about 400-450 for 2nd HH.

Also planing to use other rest of heloc for a dscr or brrr so that would possibly help as well.

Would you wait until rates drop to do another HH and just buy the brrr/dscr now?

Or would you just use the cash flow from your old unit to make up difference?

Or I could just buy 2 brrrs/ or dscrs and stay here.