I love that the rate is fixed for 10 years, but the PPP is only 3 - best of both worlds, if you are that Texan: if rates go up, you're protected for a decade, but if rates go down you can refi penalty-free after only 3 years.Credit Union - This is a Washington State credit union, coming in strong with that 30 year amortization producing a lower payment.

For my own investments, I focus in two areas: The Washington DC commuter zone (i.e. 90 minute radius outside of the capital, where commuters and companies are spreading outward), and Salt Lake City, UT (state is #1 for population growth according to US census).Happy to talk 1:1!

The current house if 1800 sqft and is going for approximately $500 per square foot.  

Overview:Address: 3960 Pleasant Shade Dr, Atlanta GA 30340 (Have owned for since Nov 2016 and depreciating)Details: 3 bed 2.5 bath 1,847 square feet (None of the photos online are current)Principal Owed: $232,000Mortgage Rate: 3.375%Monthly Payment: $2,010 + $250 for landscaping and pest controlCurrent Rent $2,450 a monthProjected New Rent: $2,750-$3,000 a monthPotential sales price $450-500k. 

Not sure if it matters, but I live in Washington State.

Hello Danny,I am a current WA client.

My neighbor converted his garage into a bedroom with about the same square footage as mine, so I believe it will add tremendous value.

So, they would refinance your current mortgage and then provide the 95% LTV HELOC.In my situation with the option they gave me it doesn't seem to be far off from my current mortgage, I'm currently with rocket mortgage w/ a 2.8% ARM and to refi with Lower (in order to get access to the HELOC) the new interest rate would be 4.1.

Find Brandon's videos on YouTube for the "four square" method of analyzing homes and practice.

Nope, it's less than 400 square feet.