The CPA will likely say, "it depends," but your wife could adjust your W2 tax withholdings so you get more of her paycheck every month.If you are really wanting to live for free with a low down payment, California probably isn't for you.

I believe AI may effect the economy, but people will adjust, so I don't think it will have a long term impact. 

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. 

This is not super expensive, nor is it super time-intensive.

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.

@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.”