Short of that, it'll more than likely it'll be closer to 20%.

Real estate transactions, especially flips, come with specific tax implications such as the potential for dealer classification, short-term capital gains, and cost allocation for renovations, which can significantly impact your tax liability.

https://www.biggerpockets.com/blog/brrrr-loans-what-are-the-...Short-Term Rental Loans: What Are the Options and How Do DSCR Loans Stack Up?

Been licensed for nearly a decade, I got into wholesaling shortly after because I was tired of losing deals and investors to wholesalers—I couldn’t beat them, so I joined them.

Pete and Clearwater still work well for mid-term rentals despite some short-term rental saturation.

For 2023, since your property was rented out with an average stay of under 7 days, it should be classified as a Short-Term Rental (STR).

Yep, when we sign up for servicing as a company they ask you "what loss mitigation measures does your company allow" We offer loan mods, forbearance, deed in lieu, short sales and short payoffs.

A short-term rental with a stay of 7 days or less + Material participation =also non passive.

The second you are introducing metrics to change your marketing that have nothing to do with generating the leads you need, you introduce uncertainty to your systems. 

Will you use the HELOC as a short-term bridge, or plan to hold it longer?