In Canada, for example, the average mortgage term is 5-years, so every 5-years you renew your mortgage and have the opportunity to pay down as much as you would like (if you wanted to pay more than the payment restrictions of a fixed-rate mortgage).If you want to pay down your mortgage more quickly and cannot afford to increase your payment, simply switching from the default monthly mortgage payment to accelerated bi-weekly payments will reduce your amortization by ~12% (the extra payment per year from the accelerated part) and reduce the overall interest paid by slightly more (~14%).Naturally, if you increase the bi-weekly payment, you will pay down the mortgage more quickly.  

Naturally my DTI is high, however my only debt is our primary residence mortgage I have had since 2020.

I'm also confused by the nature of your charity.

Due to the nature of the STR property criteria in Cape Coral, it's very rare that a STR could be converted to a successful LTR.

And natural wood interior walls for that cabin feel.. can you post a link to what you recommend a  cabin should look like I am just curious . 

Were you really stoned when you came up with this hair brained scheme?

So you will naturally see more of those higher-priced homes in those markets.

I know it sounds like I'm splitting hairs but some banks write HELOCs in their residential department....which won't write Investment Properties.

Items cannot be stacked against wall prohibiting natural air flow to guard against mold, etc ?? 

@Bruce Woodruff You’ve captured the unpredictable nature of real estate perfectly!