Hi @Jim Cousino and @Greg Scott, I'm also thinking about optimizing my financing strategy for the current environment, and wanted to ask a clarifying question here: when you say "put the $90k into your HELOC to pay it down", do you mean that you have already taken a draw from the HELOC and want to pay it back? 

I’ve created systems, structures, and lots of documents to optimize my BRRRR process.

Computations and models should be prepared to simulate taxable income projections for 2020 and it is important to maintain tax bracket optimization when doing a conversion.

I think there is middle ground that is actually the optimal solution.I'm also wondering if you considered hiring a property manager for your STR?

I do not have a crystal ball, but we area already starting to see lenders and banks push updated "effective immediately" overlays with selections from that menu. 

Planning to refinance primary residence, what options would be better in terms of low closing cost and optimal fee (if any)how much closing cost, hidden fee and other fees differs between no name lender VS big lenders like chase, well Fargo, BOA etc ?

BiggerPockets is a great venue to optimize our time for our REI business.      

Assuming they’re also invested they are surely doing this calculation and trying to optimize the situation.Hope it works out for you and they work with you as best they can.

In the last couple of years, this strategy wasn't optimal, because most properties sold at or near their asking price.

.- design details: flush baseboards with shadow line reveal, some interesting LED lighting, 4mm wear layer eng. hardwood, level 5 drywall, custom trim-less doorframes, pivot doors, and even one hidden door- I'm newb: this was our first remodel, so costs and schedule far from optimized but yea, process was hella fun.