Other than that, it plays no role in and has no relevance to the mortgage acceleration scenario."

I'll refi as soon as possible and then have my HELOC available for my second property. 

Consider reconfiguring the layout to add windows where possible. 

I’d like to possibly connect.

We're also starting to scour other forums for possible investments outside the traditional MLS sites, and other areas like upstate NY. 

You're better off opting for an interest-only mortgage, saving on payments, and then refinancing it into something more conventional when interest rates drop—or, if possible, making a plan to pay down the principal.Interest-only loans, which typically last for the first 5 to 10 years of the loan term, offer two key benefits.

@Jerry Zigounakis For your STR in Big Bear, forming a CA LLC is ideal for liability protection, even with the $800 annual franchise tax and possible gross receipts fees.

Hopefully, try to get as much as possible for your nonprofit.

Is there more long term appreciation possible if you hold the units longer?

It's a forced equity and appreciation play with the benefit of personal use and the hope that 100% bonus depreciation comes back.