@Basit Siddiqi when you say 50% RE are you saying 50% percent is equity or are you including debt as part of your RE?

Hoping to have some money left to rebuild my portfolio after selling the house and paying off the debt and loan.  

Having the rental won’t prevent you from securing other loans if it’s profitable, as lenders consider rental income in your debt-to-income ratio.

Most DSCR are LTR loans and use LTR income to cover the debt but you are free to STR the property if you would like...I think that is what you mean??

They used horrible 2 year bridge debt to finance it.

Lien: This is a legal claim or hold on the property to secure payment of a debt.

I have always feared debt but I'm finding myself high on equity and low on cash flow.

Get your finances in order to minimize your expenses: pay off consumer debt, buy a house and house hack, sell expensive car and get a cheaper one.

If your home is an investment property that you rely on guest stays to pay your mortgage and insurance and other expenses - be prepared for the community impact to you as well.Many mortgage companies will offer mortgage DEFFERALS during this time - it's a great way to manage short term cash flow - however, please keep in mind - this is NOT mortgage forgiveness.

The one thing to keep in mind is that a HELOC is a great short term debt instrument.