Quote from @Mel Kirchhoff: Quote from @Sofia Komrskova: Have you thought about just converting it back to an unfurnished LTR?

With the HELOC and then converting it to a term loan you will probably be paying higher interest and/or shorter amortization period on conversion which will mean higher monthly payments.

I retired 10 years in and my wife 14 years into the journey. 85 % of my portfolio is 200 year old converted city row homes that are maintenance monsters and we still have enough cash flow to retire from our W-2.

I'm looking to purchase my first property with my fiancé (both 25) with the goal being to establish our primary residence together, as well as giving me the opportunity to add equity/value via rehab before moving on and converting the property into a rental within a year or so to kickstart an investment portfolio.An interesting lead that recently came up is my parent's neighbor's house.

I am going to talk to my CPA and see if I can convert.   

The fact is that anyone who takes, leads, or carries away the property of another with the intent to convert it to their own use or deprive the owner of it is committing a crime. 

This extra road frontage now also qualifies my property to be able to be legally converted into a triplex from a duplex.

It certainly helps that you've done it, but I would maybe do one that is still in CA, but far so you can't go every day and see how that is and then inch out.On finding an agent, definitely not the way to go in terms of calling brokerages and asking for their top producing agent.

What action can you do now, TODAY, that moves you even 1 single inch closer to your future? 

It goes over your floorboards.2. use small tiles (1 inch square or smaller) for the floor surface.