@Tom Rairdon If you’ve owned your short-term rental (STR) for over a year, it likely qualifies for long-term capital gains (LTCG) treatment, taxed at lower rates (0%-20%) compared to your 33% ordinary income bracket.

We have a 3% rate so dont want to refi but the property has appreciated quite a bit so would like to tap into that equity to fund our next deal.I am having some trouble finding lenders that offer helocs on investment properties.Does anyone know of any banks and/or lenders that do helocs on investments?

We recently relocated to Phoenix last summer and I'm starting to look for recommendations for local credit unions here in Phoenix which are trustworthy, low rates, personal touch, easy/simple to work with, etc. 

-How are you getting a 3.75% rate?  

I am seeing interest rates start in the mid 6% range for foreign nationals here in Florida.

I bet the rate of Engineers going homeless is all but 0. 

To further boost occupancy and revenue, consider revisiting a dynamic pricing tool like PriceLabs, as it works best with more time and data to adjust rates competitively.

They lowered the “taxable value” by 40-50% and then raised the tax rate about 35-45% lowering everyone’s taxes that year.

Interest Rate: 6.5% per annum (fixed)5.

While I have a fantastic rate, the co-owner's giving me the option to refinance or he'll force a sale.