just double checked my lender is now 80% LTV for short term rentals only 85% for long term rentals

Sign an Assignment of Contract:      Check the terms of the contract.      

Option A would allow me to keep it as a long term rental .

HELOC= short term useFixed (first or second) = long term use like a down payment.  

Will I be able to overcome it's reputation in getting mid term renters?

Definitely some cause for long term concern, but this also can give opportunity to other investors that are willing to invest out of state or more people moving to other states like AZ and TX with long term appreciation in these markets.How is the appreciation in Phoenix?

I personally like the buy-and-hold strategy and we help clients who share this long-term, wealth building mindset. 

With countless loan options, complex terms, and strict lending criteria, it’s easy to feel overwhelmed.

@Robin Simon I completed a refinance with my credit union at terms of 3/30/75 @6.85% I will have the renwal in 2026 and hoping rates come down a little by then.

There is a single family home that was divided and one half has been rented and an ad on small "house" that has also been rented mostly long term.