In 3-4 years, you will not have a lot of equity in the home, so I'm not sure you'd want to refinance (if you plan on trying that, talk the bank because ending your mortgage before the term is up (ie 1 yr, 2 yr) comes with a heavy interest penalty (basically you have to pay out all of the interest remaining for the rest of that term).As for renting vs investing elsewhere-run the numbers as to what your payments would be if you bought a house including insurance and property taxes and repairs vs renting. 

SBA loans feature favorable terms, such as low down payments and longer repayment periods, and are partially guaranteed by the SBA, reducing the lender's risk.SBA 504 Loans: Another SBA program, the 504 loan program, provides financing for the purchase, construction, or renovation of owner-occupied commercial real estate or heavy equipment.

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We did a lot of BRRRRs before, while the market still had inventory, Milwaukee has gotten so competitive that buying distressed makes typically not much sense at the moment and we buy basically move in ready properties.I would rank selling real estate before flipping, just a better return on your time and energy.

With the increased competition among sellers, it’s crucial to prepare a listing to stand out among the rest and work to address buyer objections prior to going on market.

I think that while what you want to spend all-in on this project is somewhat possible, you will end up with a very management heavy property at the end and shouldn’t expect the best tenant pool.

What makes people prefer airbnb than hotel these days, especially the rate of hotels are relatively competitive (airbnb becomes more expensive than it used to be), i.e. is it still a viable business for the most part? 

my brokers all told me 10.9-11% for HELOC's and so i called Navy Federal CU and they quoted me at 9% with a $700 fee for the loan, that's really competitive so I went with the CU.Brokers are good at getting a bank account loan, based on existing funds if you don't want them to pull credit/income verification

I notice a lot of competition from beach front condos of the same size. 

Demand in the area is definitely down, competition has increased, and values have gone down since we purchased it.