Would love to hear what you’ve got planned for the future.

I hope things go better for you in the future. 

If you opened the exchange with the intent to hold the property for investment, and then in the future circumstance changed which caused you to reconsider the use of the replacement property and convert it to personal use, then a period of time less than two years might be reasonable.  

Your rate will be higher than current, but give you your cash out to use for future opportunities. 

I wish you the best in your future! 

When a tenant moves out, transfer the deposit back to Checking so it's ready to apply towards expenses or to refund to the Tenant.If you end up with excess funds in the Checking account, I recommend you transfer it to a third account that is specifically designated for future investments.

THIS WILL NOT need to be disclosed on any future applications (URLA or Uniform Residential Loan Application) as this is NOT your debt!

I work full time at a decent job, but have quickly learned that I needed to make some changes in my families life by securing our financial future. 

I want to have more rental properties in the future and could definitely use that income to help fund those, but with the interest rates being higher, it makes me nervous.

To wit, people might find this thread and exchange for years to come (I am cognizant of that future audience as I write this).