We're never going to erase class in any capitalistic system so the best you can do is put up some basic guard rails and let the market do what it does.  

Quote from @Antoine Black: I have a house that free and clear and I'm trying to tap in the equity can any one help  Hey Antoine, As Mike stated, your best bet is a local credit union.

Wish you the best! 

Best of luck

., Purchase Price: $475,000 ($197.9/sq. ft.).Estimated Market Value: $402,000 ($168/sq. ft.).Financing Terms: 2% interest rate, with a 9-year balloon.Unit B Income: $2,049/month (Section 8 tenant through November 2025).Unit A Income Potential: Similar rent or higher; Section 8 cap for the area is $3,234/month.Monthly Loan Payment (P+I): $1,386.Cash Flow Breakdown (if both units are rented at $2,049/month):Gross Rent: $4,098/month.Vacancy (10%): $410/month.Operating Expenses (37.3%): $1,376/month.Net Cash Flow: $943/month.Key QuestionsWould you be comfortable paying an 18% premium for financing at 2%, especially in a market where current mortgage rates are closer to 7%?

I love Mt Ranier, but the property tax rate is crazy.

Rates are hovering in the mid 7s depending on your credit score.

Comps in the last 30 days sold between 90,000-100,000.Any advice on what you guys think would be the best thing to do?

Do you think this strategy gains strength if lets say... in five years interest rates are at 5.5 vs 7.5 now?  

This influx is limiting rent growth nationwide, particularly in the Sun Belt, where oversupply has led to rent declines.Nationwide, vacancy rates edged down to 7.8% as move-ins outpaced move-outs.