You need to look at two numbers 1) what is the blended rate you're paying now?

If you look at the blended rate between your low-rate first mortgage and a higher-rate HELOC or HELOAN, many times you still come out lower than what a cash out refi would be.

its not fancy, or elaborate, but it makes both recording expenses easy and tax time easy and is the perfect blend of sophistication and ease for where my business, with that property is currently at today.  

Having worked with them for a decade and completed nearly hundreds of transactions together, their professionalism and expertise are unparalleled.

Hello, white cabinets can blend well with various interior design styles, making them a versatile choice.They can also make a space appear larger and brighter, which can be appealing to tenants.

However, in many cases when you compare a refi to your blended rate with a low 1st rate and a higher 2nd, that’s still a better option. 

Rates on HELOCs/HELOANs aren't the best right now, but in many cases it's still a better blended rate than a first position refi with a low rate like yours. 

We have self-management, blended models where you can have professional management at a reduced rate if you find the guest and full service. 

The CLTV blended is around 60-70% depending on whose appraisal you use.

In my experience, it can be a blend of the bank viewing it as an investment and as SFH, or perhaps just like they are SFH.