If you pay cash for something and are able to refinance at a rate that makes sense to pay off your HELOC, that's the only thing I could see making some sense. 

If you're $400 below market rate I'd give them chance to "catch up".

Assuming I also use the Airstream for lodging while traveling for personal reasons, would I just take a pro-rated amount of depreciation for the amount of use that is business vs. personal?

Being owner occupied means getting the lowest interest rate, and a conventional or fha loan. 

I think a lot of folks are sitting on or building up cash reserves as rates have squeezed a lot of the potential cash flow opportunities of years past. 

For a 30 year Conventional loan, I'm at 6.5% rate (6.808% APR) for a duplex, 95% LTV, 780+ FICO, owner occupant.And I'm assuming they're paying $2k of your closing costs - not your down payment.

Where did you find this company and or was it referred to you.2. did you go with them because their fee's and interest rates were advertised as lower than other lenders.

But, there is no coaching or mentorship fee, simply analyzing every property simultaneously and ranking by cap rate. 

But at a lower rate compared to other cities that are growing. 

Do personal returns have higher audit rates than entities overall?