Recently its down to 4.82%, so if we keep in mind our margin or the fixed portion the lenders add on top of the index to come up with your daily rate calculation is going to be as follows:4.82% + 3.75% (example margin for AIO) = 8.57% so we'll round it up to the nearest .125% which should be 8.50% interest only.Given that prime is 8.50% already and there is a margin on top of Prime for most HELOC's out there from .25-3.00% your traditional HELOC would be much higher rate than your comparable AIO loan comparatively.So just some food for thought.

However, that 250k per spouse of capital gains offset only applies to the portion of the property that you resided in, and you will still have to pay capital gains on the portion of the property that has been used as a rental unless you execute a 1031 exchange.

If its near Jersey City or anywhere in Hudson and Bergen county, I have developers that buy site unseen 24/7 if in a good area, decent lot size and reasonable asking price.

My husband and I are among the affected people and we lost hope of recovering any substantial portion of our investment.Things started to go south in mid-2021.

Recently I saw some decent sized laundromats that were priced in the $600-$850,000 range.

There can be shared laundry onsite, shared parking, shared (yet separated) yard space etcAs for the math portion, I run my rental comps on rentometer and compare it to other ADU's or 1/1 units and their rent amount.

My partner and I developed a banking relation with a moderate sized Texas bank 11 years ago.  

When companies reach the size of Greystar or Western Management customer service really starts to suffer.

However, you should factor in the legal cost of pursuing versus the size of your investment because this can be an expensive endeavor alone.

That will allow you to keep your low rate on $170k if you have a low rate, then have a line of credit that is only the size you need and easy to pay down.This approach keeps your $170k liquid, sets up a $0 balance HELOC for the additional principal you can get and you don't pay for the additional principal loan in the HELOC until you use it, and only for what you use.