Thx for the reply, however, my asking if this is the right time to Refi was solely based on the current interest rates and what they will do on the near future.

I won't ever close on another OOS property without walking it first but that involves paying for lots of flights and hotel/rental car costs if flying out there to make an offers but the $1500 to $3000 would be worth the cost to me to save on future headaches. 

All recent increases and near-term future increases are just gambling.

Good quality of life, good potential for appreciation over time, and an area that is unlikely to lose its draw for young professionals and college students for future tenants.

As a result, I am committed to ensuring that other investors and professionals do not experience similar issues in the future.

I sent you a PM.The cap rate isn't awesome, but I do like having equity as a good hedge against inflation, in addition to the tax advantage and potential for future 1031.

I’m 20 years old and currently working hard to create a strong foundation for my future.

This allows you to keep your Airbnb equity intact for future opportunities while managing your DTI limitations.If you need help navigating this further or finding the best financing options, feel free to reach out.

And yes, sad that cash flow seems to be an elusive reality right now, but I'm optimistic that it will be a possibility in the future.

I think knowing more numbers, heloc limit, plans and objectives for future goals all should play into "what is best".