With a cost segregation study your building value will be broken out into many detailed components which will have lives of 5,7,15 and 27.5/39 year  lives instead.

WAY cheaper than then thousands if not 10’s of thousands in extra interest. 

Michelle Wang,With all due respect, you should make plans to be in another business once you're out of Real Estate Investing (Residential, Income Property).There are Members of our MassRealEstate dot net Association that come crying to me about similar situations as yours i.e.

In terms of using home equity, you would either have to take out the money using a Home Equity Line of Credit (HELOC) or you could do a cash-out refinance.

I hope it works out.

Let’s share insights and tips to help each other out!

But one of them getting a better paying job is probably your most reliable solution.

@Andrew Self lack of two years of employment history is not a deal breaker depending on what you were doing prior to starting your salary job.

See the condition of the property.

Best of luck @Enrique Hernandez!