I was also getting credit card balance transfer offers at 0% promotional rates for a year to a year and a half and I started transferring my HELOC balances to the promotional credit cards.

I guess be happy it’s only a couple months and a cheap lesson learned?

The advantage with the bank was minimal closing costs, a good interest rate, and a draw system so I could get funding as I completed each rental unit. 

Although most of my stays are <7 days, I've had a few longer stays (business travelers and a family that was going through a full home remodel).

My husband and I did about a year and a half of college before moving up to KS.

For this reason, it would be prudent to not overleverage yourself in this type of environment in order to wait and see where rates do end up falling, as there is consensus in the market we are moving into a falling rate environment, the exact timing of when rates will be falling is unknown and different scenario analysis should be added to underwriting refinance periods to be sure the project is sustainable if inflation resurges and a refinance is delayed.

The two existing units can rent for about $2,500 each, and a garage conversion single unit will rent for about $2,800.

I guess this is an introduction of sorts, and a request for any help with the following questions.:1)  I've spent some time lurking here on BP and using the calculators to analyze potential options. 

So far I’ve gotten mostly local businesses and a few colleagues that are following me.

in cash flow would cut it for me. i'd want enough to cover the mtg, but also R&M and a little for vacancy. if i can't do that plus have a little actual "cash flow" left over.... i'm still here :) if that's any indication.