Which may also be a reason to hold on to your current place (appreciation).Second, have you been in your primary at least two years.

I could probably hold off on the basement flooring, though.

What is interesting is our held for sale are the longer term notes as we do not plan to hold them for 10+ years.

Investment Info:Small multi-family (2-4 units) buy & hold investment.

If you plan to use the remaining HELOC for a DSCR or BRRR strategy, that could help you build more equity, but consider if the current market conditions will lead to higher rates and lower cash flow in the near term.If your goal is to scale, you might consider holding onto your current duplex for the cash flow and focusing on the BRRR/DSCR strategy, which can allow for more control and potentially better long-term returns.

If you don't meet that 12 month seasoning requirement and/or want to hold the property under an LLC, a debt service loan may be a better option.

Like you a purchased my primary residence in 2017 as an estate sale and landed an amazing deal which still holds a large amount of equity.

The core principles in The Book on Rental Property Investing still hold up, but higher interest rates definitely change the game.

Quote from @Mark Sullivan: Quote from @Jimmy Murray: @Mark Sullivan if you are a buy and hold investor these loans work great.

The biggest problem I see with seller financing is the cost of repairs (as well as holding, selling, etc.)