Have you had an appraisal done recently, or do you have comps to estimate the property's market value?

Woah 13.85% even on an investment property is super high...I got a heloc at a 7.25% (this is variable with the market as with any HELOC) for an investment property.Talk to your local credit union.

You're in a strong rental market, and house hacking a small multifamily in Phoenix is a smart way to build wealth.

I tend to be partial to REIA events, which have chapters in most larger cities/markets.

Time in the market beats timing the market!

Henry Washington from BP on the market podcast operates here.

I am convinced because listings sites pick markets they think make them more money to advertise.

I would recommend joining local facebook groups of hosts (if they exist) for markets you are trying to get in to. 

Hey @Paul LaValley welcome to the forums, and phoenix and Tucson are great markets, what makes you interested in those markets specifically?

It's one big gamble on the market trading sideways or up.