As I've come to terms with this I have taken the last five months to regroup and really think about the future which brings me to my post and what I'd like to get the communities opinion on.I successfully negotiated and acquired one of my duplexes in 2017 that I nearly have paid off (note balance is $54k, property value $230k).

I'm looking to finance the project long term in a way that is helps me create positive cashflow.

I'd rather keep the sub-3% rate for now and finance other properties conventionally for the short term.

The six month cd isn’t the point my understanding is that I can’t just take out the HELOC, I need to actually use the money for my plan to work and a short term CD seemed safe and reasonable 

I'm not a fan of selling a property that is performing in order to solve a short term problem.

Historically, real estate will appreciate over the long term.  

Given his spending habits during his first term, it might be a wash.Costs to build new properties will probably increase.

Are you needing a long term or bridge loan?

Old post, but in the short-term the world changed with the recent passing of HR 5376.

Nonetheless, you can base the DSCR calculation on PadSplit rent (if there's a history of PadSplit income being produced) or short-mid-term market rent (an analysis done at the same time of appraisal).