LTV is approximately 63% $475k loan, value around $750kDecent cash flowCouple of capital projects coming up in the next 2-5 years totaling about $25kHere are my options:1. 30 year fixed at 4.125% - principal & interest payments2. 1st position HELOC tied to prime less 1%, adjusts when prime adjusts, can lock the rate sheet of the day (at any time) to a 5, 7, 10 ARM at 5 year treasury swap (H.15) rates plus 2.25 or 2.625 - minimum interest only payments due during first 10 years (I would continue to pay down principal).

If you're interested, perhaps we could get together for coffee and we can swap ideas in person.

Put the new furnace next to it, and have the HVAC tech swap over the electric, gas/oil pipe, flue pipe, and water lines or ducts (use flex duct rather than having sheet metal bent).  

.* Swap some of that debt around, put it on a HELOC secured by some other property. * Do it 75% first mortgage, 5% 2nd mortgage.

Though I'd love to swap resources with you @Stacy Davis, and connect with some other contractors.

I had never heard that before.. and this has nothing to do with swapping contracts but actually advertising and selling homes whether you own them or take the quasi equitable ownership argument.I would simply contact your State Department of Real estate and get clarification.. this could very easily be why you see no bandit signs etc.

@Shaun Hunt, feel like meeting up in Cedar, swap ideas about the area?

Its a cool site, and my intention was actually to swap my house with someone from outside the US and see what happened.  

Also, if you know anyone else interested, message me and we can swap email addresses.Thanks!

It usually kids and/or pets who get a hold of the cotton swap package.