@David Matthew I hate the thought of giving up the sub 3.5% loans but if you're ROE is sub 4% then I believe you're having the right thought process if a cash out refi or heloc isn't feasible right now. 

With a half point rate reduction by the Fed, our HELOC rate was reduced by the same amount, and we've begun the refinance process.

Go down to your local bank branch, hopefully it's a smaller bank (they will have better rates and service and be more thankful), and ask about HELOCs.

Either do a cash out refinance or HELOC for the down payment on the other property.

This is my first flip and I'm using a heloc on my own primary to fund the project.  

You are better of funding the fix and flip deals with a HELOC and refinancing with a DSCR loan . 

My thoughts have been to use half for 20% down on next primary and the rest for a rental property OR put all $150k into a multifamily and house hack for 1-2 years then do a HELOC and do it all over.What would you suggest if you were just starting out? 

I used a HELOC to buy a couple houses.

It was suficient/accepted by the lender that granted the mortgage for the duplex, so I did not anticipate running into this issue trying to get the heloc.

Hello Everyone,I was talking to an investor in regards to financing and his suggestion was to get a 500k loan to put towards all current debt, but wasn't sure all the factors that may be implicated with going this route.My current portfolio has 2 properties (1 LTR, 1 MTR = 370k), and current debts: HELOC at 54k and a vehicle at 40k.