This is purely about your appetite for risk.

If you are a long term Buy & Hold Investor, there is now reason not to lock in (Artificially Suppressed Interest Rates/FED) current rates and minimize issues down the road (3.

Pros and Cons to both sides of the coin - I say find a place you know well (or have people there you trust) and develop a strategy that matches your appetite for risk vs reward! 

Pick up the phone, call them, ask to speak to their loans department and ask them what their appetite is for doing HELOC's on non-owner occupied small multifamily.

Pick up the phone, call them, ask to speak to their loans department and ask them what their appetite is for doing HELOC's on non-owner occupied small multifamily. 

I don't see any appetite for businesses to resume these any time this year.

I am presently based in New Jersey but since I have an insatiable appetite for the outdoors I will be relocating to either Colorado, Oregon, or Washington next year.

One lender told me that the banks are completely jammed up right now with conventional purchase loans and have little appetite for jumbo cash-out refis. 

While we all have different appetites for level of leverage, we all will have at least some modest trouble even if it is just lower ROI when our cash flow properties do not consistently cash flow.

Office and retail seem out of my risk appetite profile with the uncertain outcome of this pandemic.