My goals would be to increase monthly cash flow and have more access to the property's equity for things like Cap Ex, etc....Here's a blurb from a lender's website:"By combining banking functionality with home financing into one dynamic instrument, borrowers are able to save tens of thousands of dollars and years off their loan""Designed after popular programs around the world, the All In One First Lien HELOC is the nation’s first transactional offset type-mortgage program.Home financing and banking combined:Deposits lower your loan’s principalFunds remain available for expensesInterest is calculated on the average daily balanceThis lowers the monthly interest paymentsTens of thousands of dollars can be saved over the life of the loanMortgage freedom can be achieved in half the time or less

I rent homes unfinished for the most part but sometimes, if a space would look better with something extra, like a coffee bar or a patio table, I will pick one up.

Usually no extra cost to me.

My Property manager reached out to me asking if I would be willing to lease to Section 8 tenants in one half of my duplex.

We tore down half the home and saved 400 sqft, turned into a tiny home short term rental.

Cities usually don't care if the OWNER lives in the basement, just tenants.You could use the extra income to offset cost of finishing basement and more.

Just making extra monthly/periodic principal payments is good enough for me :)Of course, you need to be a "saver," not a "spender." 

But, if you pay utilities, it might make sense to add a bit for the extra water / electricity.Personally, I would use this as an opportunity to tear up that 3 year lease. 

I have been lurking on here forever, but just recently became a member so that I can access all the extras.

The reality is the opposite - if it's not in writing then the PMC doesn't have to provide the service or can charge extra for it!