But, to normalize, the 10-year will eventually trade at a 100-150 bps spread to the FFR.

Happy to share resources or insights that might help as you get started!

I’d be happy to discuss how I can assist you.

Only in a very narrow set of situations - such as 'if' the spread between the interest rate on your HELoC and your mortgage financing was sufficiently  favourable to the HELoC - could the HELoC approach yield a better outcome than regular pre-payment of your mortgage.

I'd be happy to talk about the strategies that work best for them.

Happy to connect with you. 

This was a great site many years ago, but has quickly become a very irrelevant site in the world of real estate.If you need clarity on anything I said, I would be happy to discuss further on a call.

Happy to chat further if you want to reach out to me with a DM.The last thing I would tell you is that, I started my real estate journey with a house hack of a 2-family property in 2011 using bank financing.

When they eventually move out, I plan to do a full renovation to bring the unit up to high-quality standards and maximize its rental potential.I’m happy to connect if you ever want to chat.

I'm light on capital so paying a mentor isn't an option, but happy to split revenue (pay as I learn).