the lower the cash in (starting with the DP), the quicker you recover your cost. 2)  Solid, as in equity. 

I understand the rate is competitive on the assumable, but having $300k liquid, you might as well do a lower downpayment and Buy down the rate. 

Sometimes I see properties currently for rent lower than those 3 services. 

This will lower your monthly living expenses while your tenants help pay down the mortgage and the house appreciates.

The headache of playing peacemaker between 3-5 unrelated tenants doesn't sound worth the premium management fee; not to mention rent by room generally brings in lower quality tenants which require significant more management.With that said, higher rates are pushing investors toward rent by room simply because it's the only option for cash flow (at least in Denver) which is why I have so many folks reaching out.If you currently have rent by room investments or perhaps you're a PM currently offering rent by room, I'd love to hear your feedback and any advice you may have. 

You’re going to get a lower selling price for occupied properties just as you will get an even lower price for selling a portfolio of homes.

However, if you do plan on getting a HELOC, you might also want to get a line before moving out since rates are lower and CLTV is a lot higher for primary helocs!

I store some funds in a HYSA as well as lower risk investments.

I can tell you as a Banker it is much easier and you will get a lower rate if you do a cash out refinance versus a Heloc in this market.

Of course then covid pushed rates even lower, which of course because no one wanted to borrow money with that kind of uncertainty.