Also, some helocs will offer Interest Only payments, some that go above 90% LTV may ask for 1% of the outstanding balance or 1.5% of the outstanding balance.

This is very frustrating given that I was under the impression that I could just roll the entire retirement balances over to a IRA and then have complete control to invest that money into properties. 

It would be pretty simple to find a mortgage loan calculator online; input the current loan balance; and modify the terms as needed.

Diversifying income streams and focusing on appreciation alongside cash flow creates a more balanced and sustainable strategy.

A second STR in a market with year-round cash flow potential might balance out your portfolio and give you more consistent income.

It's a balancing act if you DIY projects to save some money.  

My original loan amount is $323K, balance left $319K at 7% and 28 yrs and 8 months left.

Balancing that with wanting to do something to maintain affordable housing for those in mid to lower income brackets.  

These areas tend to provide the best balance of affordability and rental demand.That said, Detroit’s market is unique.

There are NO minimium balances.