I made the mistake of letting someone get in one of my first units that was a bit off the 3 times, they were great tenants very kind and enjoyed their stay and experience with me, but could not afford it when I increased the rent on them, which is something you will have to do because of rising insurance/tax costs.5.)

Many states have discounted property taxes and lower yearly increases for owner occupied properties.

Do the schools have increasing or decreasing student enrollment?

Assuming you go the HELOC route, another option to reduce your costs assuming you have decent credit is to look at credit card balance transfer promotions.Back in 2003-2004 I had HELOCs on my investment properties and interest rates were increasing.

They have been historically reliable over the last few years but I am hearing some rumblings of reduced leverage, slight increase to rate, or some kind of minor tweak to DSCR lending with some programs.Happy to jump on a call if you have any questions or concerns.Good luck!

We had to bring the 1925 house to 2023 code which involved un-installing 26 windows that were already nicely installed (in appearance) in the house, reframing them to 2023 standards (at the time) which also involved strapping the bottom of the wood framing with metal straps (mind you this all after we had already completed the inside renovation).  

I have the ability to put 25% down or more to increase cash flow.

They say that their customers see a 30% increase in revenue but they don't make any guarantees.   

Atlanta is a strong multi-family market with a diverse economy, a growing population, and increasing demand for rental properties.

They don't work with any type of forbearance and do not use the same standards that a heloc does.