@Ceasar Abreu, another possible benefit of a HELOC is they are often interest only for many years, which means your net cash flow could be higher, but this also leaves a balloon payment.I will echo Greg: the only thing refinancing definitely saves you is having to write one check instead of two each month.  

But the cherry on top is this: seller is a friend and very motivated to sell, so the terms are 2nd to none: 30yr AMP table @ 4%, and 10 year exit (balloon).

Today I received a letter in the mail from a local attorneys office who states he represents the Estate of the previous owner, that the Estate is redeeming the recent tax sale, and that I am required by law to fill out this Redemption Affidavit before the Redemption can go through.

Law enforcement has advised that this could escalate into a dangerous situation, given the occupant's troubled history and strong resistance.I've exhausted all forms of communication, including texts, emails, and physical letters, but to no avail.

After exhausting all avenues to cancel my policies with them, it finally took a letter threatening that I'd file a formal complaint with the state's Attorney General office to get them to cancel my policy. 

If that approach is not successful you will have to have a lawyer write a letter.

I don't like to put letter grades on neighborhoods because it's so subjective but @Michael Smythe did a very good job explaining the trade off with risk vs reward in the different types of neighborhoods.

From one, I get the same letter every month asking about my primary.

My intention is to establish positive communication with the current tenant while respecting their existing lease agreement, with no plans of requesting them to vacate.I would greatly appreciate any insights, suggestions, or advice you might have regarding reaching out to the tenant, drafting a letter, and managing this transition smoothly.Thank you in advance for your assistance.Best regards,

We've had that discussion before on BP.Guess how much any title attorney with a brain will be charging for an opinion letter.