Only do that though if you can pay it off or get close to paying it off within a couple of years before the interest rate changes. 

Decided to pull the trigger finally in RE investing, taking advantage of interest rates and some on hand cash.

There are builders that are offering really low rates.

DENVER — Rent costs in the Denver-metro area recorded the largest monthly decline in the nation in January, according to Zillow’s monthly rental report.Denver was one of 11 major metro areas where monthly rental rates fell, leading the way at a 0.4% decline in January rent costs, the report shows.

Also, HELOC rates are variable, so rising rates could increase your costs.The biggest challenge is timing.

However, interest rate risk is a key factor—if rates rise or lending conditions tighten, refinancing may not be as favorable.

Quote from @Melanie Baldridge: In 2025 the bonus depreciation rate is 40%.This means that if you bought a property for $1M in 2025, did a cost seg study and found $300K in eligible assets that you could depreciate, you could take 40% of that $300K as bonus depreciation to offset your income in the first year.40% of $300K = $120K.You then apply that $120K to the owner’s personal tax rate to find the final amount that they can defer in year 1.If your tax rate is 37%, you can defer $66.6K.This is a big deal even at the 40% bonus depreciation rate this year.It’s a massive benefit 

. // Faster, Smoother Approvals · Fewer objections increase approval rates and reduce red tape. · Faster timelines bring more housing to the market without local interference.

10 year adjustable rate mortgage How did you add value to the deal?

If they have a loan at a favorable rate, I give them additional money to take over the loan.