Im not expert but Ive took out a heloc and dragged on going on my advise and it suckedHi @Mario Morales, There are 2 things I would pay attention to in the scenario you describe. (1) Most cash out loans are limited to 75% -80% LTV meaning you wouldn't be able to get all of your cash back out. (2) The interest rates I see in the market are closer than what you've listed.

Tenant just moved in and is asking to delay rent payment until next month, looking for the 10 day move out form

Make sure you do your research on comps.

I am going to check it out.

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You’ll want to check with local credit unions or smaller banks since they often have more flexible HELOC options.

The goal of hard money is to get out of it as quickly as possible. 

I have the same issue, I canceled few months ago, but got billed again... this is scam 

Note: I say this also assuming you can afford the negative cash flow, but if you cannot, then get out as soon as you can. 

Consider starting small by house hacking a single-family home, renting out rooms, or adding an ADU if possible.