I've heard that oversizing the AC can lead to humidity issues due to short cooling cycles.

Basically by doing this I am going LONG USD and SHORT AUD, rewards should offset that otherwise it might end up costing in case USD goes down drastically.. which generally happens if the lending rates reduce by fed.

First, short term, I'd like to expand my portfolio of just one property into 2 by househacking by owner occupying a multi property.

As a Private Money Lender, I had the resources available to broker a short term loan to buy, fix and hold.

Now, I understand that HELOC should be used for short term financing purpose and I am concerned that I may have made a misstep. 

She is sometimes short between $20-$300 every month.

Investment also spiked in Class A Short-Term Rentals (STR) and investors started paying higher and higher prices based upon anticipated STR rental rates, that exceeded sustainability based upon Long-Term Rental rates (LTR).

Assembly Bill 1771, also known as the California Housing Speculation Act, aims to change real estate tax policy to discourage investors from quickly reselling properties like single-family homes.Under the proposed bill, an additional 25% tax would be imposed on the gain from the sale of a qualified asset (including homes) within three years of the previous sale.The tax reduction is dependent on the number of years passed since the initial purchase of the qualified asset, ranging from a 20% reduction for sales occurring between 3.01 to 4 years to a 100% reduction for sales occurring more than seven years after the initial purchase.The revenues generated by this tax increase would be deposited into the Speculation Recapture Community Reinvestment Fund, which aims to support affordable housing, local governments, schools, and infrastructure projects.The bill is introduced by Assembly Member Ward, and the proposed tax changes would take effect from January 1, 2023.Assembly Member Ward argues that short-term investors in the market, including fix and flip investors, contribute to rising housing prices, limiting opportunities for Californians to purchase homes.While the bill may discourage short-term speculative transactions, it is worth noting that California's tax laws still provide certain advantages for investors, including unlimited tax write-offs and depreciation benefits.The bill is subject to legislative approval, and Assembly Member Ward will speak publicly about the bill at the San Diego County Administration Center on a specified date.Please note that this is a simplified summary of the bill and its potential impact on fix and flip investors.

Just be careful that the condo building you are buying into allows for short-term rentals (or any rentals for that matter).

Location is residential with a park a short drive or long walk away.