Watch the 10-Year-Treasury.

I can offset some of it if I buy $200k worth of CD's or Treasuries and monitor the market but still the cash out would decrease my cash flow by 700-800$.

Start rates are around 4.75% and will adjust to the 5-Year Treasury plus 3.5% with a 4.75% floor.”So rate is fixed for the first 5 years and start at a minimum of 4.75%.

The rate I get is 4.75% for 15 yrs with a balloon but the rate changes on 5th and 10th year based on US Treasury Bill rate plus 3%.

Generally, Treasury Regulations section 1.469-4 permits grouping of activities in your real estate portfolio to meet the material participation requirements, but if you elect to group then these activities must exceed 500 hours and there are special rules for which activities can be combined and minimum participation for each group activity. ...

Probably not, just the same as i would not buy a company with high amounts of short term borrowings with no Treasury Shares, Cash Reserves, or liquid-able assets.

Iqbal put your funds into 4-week treasury bills and that will make you sleep better at night not paying off the loan - the 2% spread isn’t as painful as the 7%.

After the intro period, pay off the card in full.Now, during these 15-18 months, the cash you would have ordinarily used instead of racking up the credit card debt can be put in a high yield savings account, treasury bills, CD etc. to earn you around 5%.

Think of Bitcoin and other Crypto crashing to $0, stock market declining 20%+, Tesla filing for bankruptcy, eviction and foreclosure moratorium expiring, oil at $150/barrel, Fed raising rates to combat hyperinflation, interest rates on 10 year treasuries going to 3%+, China invading Taiwan, and more civil unrest in USA all happen before the end of the year....Austin market and every other real estate market will plummet quick. 

We are tied to the 10 year treasury, but Navy Federal basically has flexibility.