And good luck to whatever you choose to do.

A HELOC is probably going to be at least 8% right now, so would you be making more than that on your money if you choose to take out a HELOC to fund the work?

Here are the reclassification percentages.HOW DO I CHOOSE A COST SEGREGATION STUDY PROFESSIONAL?

Other than that, it plays no role and has no relevance to the mortgage acceleration scenario.I'm going to bed. 

Yearly bank fees for each, aka choose your bank wisely.

But then you have the benefits of using it yourself, plus you'll build equity if you choose the right property.

The consistent population and job growth are driving real estate values along with many companies choosing to move and develop here like Intel, Amazon, Google, Meta, etc.

Quote from @Zachary Kessler: Hello all I’m currently hacking my house that has an ADU dwelling that generates income, I bought this property intending to leave and rent the house that I currently reside in (2 bed 1 bath) I currently have a very good interest rate locked in here from 2022 that I don’t want to lose or have my mortgage called due from leaving here, I live here for very cheap with the income from the ADU.

If you choose to go this route have a very competent attorney on your side and listen to his advice.

Miami is still doing well, Fort Myers is adjusting and has lower real estate than 12 months ago, etc..)My simple thought, for what it is worth, is choose a place to live and not invest in:  choose the location you and your family WANT to live in ( because of the schools, taxes, weather, other family there, etc...) and then buy and do real estate there (and get whatever licenses you need once you start third party management).I wish you well!