Hey Kelsey, Unfortunately, it's not that simple, since you need to consider your AGI (adjusted gross income) to get the real savings here and that requires doing your taxes quite literally from start to finish.

Our rate is a 6.625% adjustable in 3 years. 

There's a reason why there are so many almost identical real estate skip trace services out there with minimal or no difference in their offering or pricing.I began researching skip trace data and services in 2014 and started Skip Genie in 2017.  

Sorry for the loss - I'm sure the wider community here will be wanting to know the identity of these syndicators. 

Here's my situation:Debts$127K loan @ 16.99% for an investment property rehab - $1963/months fixed$50K Heloc against primary obtained when rates were low and has since adjusted to market (high) rate $36K (three business credit cards at diff rates, lowest at 22% apr)IncomeMortgage 1 income after expenses (primary carrying the heloc -) - $600/monthMortgage 2 income (also primary) - $ 162/month ( not enough equity in this to sell right away ($70k) but area is growing like crazy)Mortgage 3 income (investment) - $720/monthMortgage 4 income (this is the property the127k loan was taken against) - $856/month - This is the one i am considering selling.

You would literally be better off selling and buying an identical home in the neighborhood raising your cost basis.

@Mukesh YadavDepends on what your adjusted gross income is

Some lenders even allow you to lock the used balance into a loan rather than having the rate float or adjust as many equity lines do.

Start high, and adjust your numbers if it doesn't rent.

With the historically low rates of the pandemic era now firmly behind us, some households appear to be moving past the hurdle of last year’s sharp jump in rates, an adjustment that we think could help further thaw the housing market.”