Fourth: even if the entire deduction is available, it results in much smaller automobile deductions in future years and extra taxable income when you sell the vehicle or trade it in.

I would suggest contacting companies for each trade and get an average bid from each sub. 

You bring up an excellent point about the trade-offs between second home and investment property loans.

Sharing our home a bit has been a small trade-off for living nearly mortgage-free while building wealth.

The trade-off is losing out on potential growth from a reinvested 1031 exchange, but if you’re thinking about a HELOC later to invest again, this could bridge the gap.What I’d do in your shoes:If it were me, I’d run the numbers on a worst-case scenario for each option.

Most service or trades people us included increase the rates for customers we don’t want.  

It's possible rates have peaked based on trading flat and taking a downward turn last week!

Fourth: even if the entire deduction is available, it results in much smaller automobile deductions in future years and extra taxable income when you sell the vehicle or trade it in.

That website is traced back to Auction King.com a BBB confirmed fraudulent company and is traded as Government Auction Luxury.

I have traded maximizing cash flow for ease of management.