NEVER borrow from a 401K, you are taking pre-taxed dollars and paying it back with after tax dollars, you do not get to return the loan with pre taxed dollars, in addition, some 401K plans do charge interest and maybe even fees, and lastly if you get laid off for some reason, it is a distribution with all the "fun consequences: tax at the last dollar rate, and if you are under 59.5 there is also the additional 10% penalty.Personally I like the HELOC, however you can also sell stocks and do tax harvesting there to offset gains if that is an option

The 2-3% points in extra cost are worth it if you plan on using as I described above because the use would be for a few  months at most and due to that short term use you can survive a rate adjustment up.But, if you have no plan to payoff the debt like when using for a down payment on a long term hold why pay the extra cost for flexibility and have the additional risk of the adjustable rate with the amortization looming when you can get a fixed rate second mortgage. 

Additionally, the fact you might be negative cash flow in Texas will give you more flexibility by renting in Portland.  

Additionally, your brother would inherit your cost basis in the property, which could result in significant capital gains tax if he sells the property later.

These are professionals with additional training and a stricter code of ethics.

Additionally, many states offer property tax exemptions, significantly reducing expenses.

Am I getting greedy to ask for an additional seller credit at closing to help offset some of repairs needed?

In addition to refinancing, DSCR loans, and cash-out options, we now provide our services for all property types, not just those from NetWorth.

Additionally, their marketing was very compelling.

Additionally, you can still find deals that will cash flow and hit the 1% rule and amazing appreciation potential.