Now, use your job income to pay off the HELOC over three years ($90K plus interest).

That should cover 2 rental income periods, returning $660 to your pocket.

This gives less risk and quicker returns, and more sure net in your pocket. 

I share tons of free tips on my instagram @ericaoohdesigns and you can also check out my Bigger Pockets podcast episode (933: https://www.biggerpockets.com/blog/real-estate-933) where I share my exact "Designing for Dollars" formula.

I am adding about 20 more this year, but there's one small pocket I'm struggling with the financing on (honestly, due to Huntington Bank dragging their feet on items, etc.), so I'm seeing what other options there may be. 

I'm working on getting my bigger pockets pro account finalized even though I've been a member for about 1.5 years.

Now, three years later, my tenant reported cracks in every room—paint cracking and full-line cracks in the bathroom, living room, and bedroom (walls, ceiling).A drywall contractor looked at it and said it’s normal wear and tear, but I’m concerned since it’s in every room.

BrittanySelf-managing your STRs will keep that 20-25% in your pocket. 

Bigger pockets is acting like a Deep State actor in my opinion by censoring critical information.

Max of three rental properties.