The Fed raised rates and dropped the values of those T-Bills.

From fluctuating interest rates to evolving buyer demand, navigating today’s market requires flexibility and strategy.Are you seeing more opportunities in flips, rentals, or commercial properties?

Ultimately you will have to sell your house at a discount. 

Going to 90% is not the cheapest way forward, however.  80% will give you better rate, and 75% will really make an impact on rates.

I would also question how the house gained 55k in equity, or ~24% in 2 years when interest rates rose and demand fell.

Or a personal loan if interest rates aren't cost prohibitive?

You have to factor in demand and vacancy rates to determine if it will be more profitable, and that’s specific for each market.

And she’s the one that released the latest tax rates and year to year comparisons in September of 2024.

I assumed that shopping around for the best interest rate would be good enough.

as is prop value 75k and minimum loan size of 50k. as long as its turn key 30 year fixed is available. yes there are some fees and rate will be a touch higher. if it cash flows get it closed.