@Greg Grant For your scenario, I would think the cheapest money would be some kind of debt instrument on your primary home.

While you can’t fully predict interest rate trends, you should pay attention to the Federal Reserve if you want to get an idea on those trends over the coming years.With the new tax laws, using a HELOC for that purpose is no longer eligible for a tax break.

A local real estate attorney can draft you a note and a security instrument (deed of trust, etc) for this lending arrangement.It would be good to have a loan servicing company handle calculating/collecting payment for a small fee (like how property management companies manage your rentals for a small fee).

That way, you can understand if yours is a seller's market and predict fluctuations in order to adjust your timing when listing your property (spoiler alert: we can't really predict the future, but we can certainly identify trends and be more prepared than others);2) Consider potential uses: Depending on the demand in your area, converting a 4-family into a 2-family or single family home before selling might translate into higher and more profitable offers.

I now can better predict what taxes will be.

I can’t predict the exact restrictions that will be passed because all HOA rental restrictions are different.

Without seeing the title report and pulling copies of the instruments referenced therein as unreleased, nobody here can really help much other than to speculate.

And what you see is me.Anyways, private message me, and i will tell you how to crunch the numbers and forecast the numbers ahead of time.You should see my method to predict NFL and College football games.

As an example of why you can't predict appreciation goes up with a single factor like interest rates, just look at the last 10 years - most areas have experienced tremendous growth in appreciation yet interest rates have stayed low.It sounds like your goal is to buy and hold, in which case I would just focus on buying in good locations, make sure you have strong cash flow, and lock in your interest rate with 30 year mortgages. 

It really is the way to bring predictable results to direct mail acquisition yield.