I'd like to use this to make an "all-cash" offer on a SFR, and then convert that to a conventional mortgage to pay off the HELOC.  

I will be paying about $44K out of pocket back into my HELOC.

Simply need the cash.

My goal of refinancing was simply lowering our monthly spending to reallocate towards future investments.

Also, if the capital gains are reinvested in real estate inside the country you won't have to pay any tax.

Stefano You need a team, buying a property is the easy part.as a Foreign citizen there is a tax FIRPA that you may have to pay and is 15% of Sale price.Need an accountant, a lawyer and a relator that understands that. 

I was extremely humbled by people and their excuses when it comes to paying rent on time.

I only pay for BP leads and all other business comes from my sphere/referrals. 

A HELOC offers flexibility, as you only pay interest on what you use, but rates tend to be variable.

We are responsible for the mortgage as of January 1 - but it's come to our attention that they stopped paying it back In October 2024.