Even looking at the balanced rate (which I feel like is hard because the terms are different) along with the potential to have the monthly payment/fees covered, it feels like a cash out is a better option if we did want to keep this.Part of the current struggle is that the market was hit harder from the rate increase so sales are almost at a standstill and even with trying to sell the house, the rental market is doing substantially better because most military cannot afford to purchase in this area as the payments are over 6k/mo for buying vs 3-4k/mo for renting.Any advice is most appreciated!

The problem I'm having is my low cash balance for the moment.

The chart is correct, Austin has overbuilt multifamily units and it will take a few years for the supply and demand balance to return.

I keep it as a check and balance / redundancy against appfolio which my office manages.  

The feature that’s most attractive to me would be having a unified payment system that could track and apply late fees.

Currently, I have my primary home loan, then a HELOC that has over $200K capacity ($50K balance remaining on it, but should be paid down in the next 3-4 months), so $155K or so available to draw on my HELOC at about 12%.  

If they pay off the first mortgage and the lien and I take any cash left over I'm concerned that's going to be a hefty mortgage payment and higher balance.   

Where I am in Texas if it is a normal loan from normal bank, they step in the day before the sale or morning of the sale and get it resolved and the property never ends up in the sale.If the loan has small balance, or is some kind of private money loan or I would say unsophisticated lender then some chance it goes to sale.

Letter from my banker of 25 years explaining how many deals we have done in the last 10 years and average balances carried in their institution.4.

It's trying to find that balancing act.