By no means however, is higher cost directly equal to better quality though.

If the down payment that you need equals the entire 70% to 80% in value of your SFR, then I would go with the cash out refinance and get a fixed rate.If you only need 20% of the equity for the down payment, can pay it off relatively quickly, and want the rest of the equity accessible for future use, go with the HELOC.  

Growth and re-vitalization continues to creep further east and southeast from downtown.  

Its a SFR so you don't have to worry about making sure you make equal increases to all tenants in similar units.Of course,  I'm not a lawyer and am not giving advice worth anything.

@Tuan Tran Total gross rent per year minus expenses (not debt service) equals Net Operating Income (NOI).

With the loan amount of about $133k, each 0.125% in rate equals about $10 more per month on your payment, so it's not a huge jump. 

They'll probably charge you a maximum security deposit equal to first month's rent and last month's rent.

Eventually we sold off city properties and changed our focus to the suburbs and equity growth at least equally to cash flow.

Hubby and I don't make much and usually get a refund so I figured this year we will owe but I would have had to pay custodial set up and fees equal to or greater that the penalties and tax since it was only 19K.

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