You are taking money from a heloc at a higher interest rate to pay down your first mortgage at a lower rate.

Depending on your state, many have local lenders that will go up to 100% LTV. 

If rates come down (most likely not in 2025) you can refinance or just shovel cash-flow and pay it down quicker. 

Hi @Zhong Zhang I have used vacancy hacks over the years to get personal properties under 1% when turning tenants over. 3% increase depends on renewing or getting new tenants, when renewing tenants that's  a safe amount. 

For a quick turnaround during the holidays, that rate might reflect premium timing.

You'll get differing amounts and qualities of leads depending on the type of marketing, but also depending on who you're marketing to and where.

@Stefano Vrolijk it all depends on your credit history, whether you have an SSN/ ITIN and how much you can put down.

It depends on a few factors: First, the fires.

The higher you go on the LTV, the worse the rate will get.

My first mortgage was almost 11% and that was a good rate.