The interest rate isn't that huge of a difference between the 15 and 30 so worst case scenario if you have the 30 year option is you start paying it down on a 15 year timeline - sure you'll pay a little more in interest over the 15 years, but it will have been worth it if you bought another house.

Thought about refinancing at the time, but didn't do it before rates exploded.

It's best to start with a goal.  

Your photography isn't the best.

But SFH are already seeing renewals at 2%-4% and release rates up at least 5% YoY...that number is even higher on some luxury ($3k+/m rent) homes as those are harder to find.The rest is entirely speculative.

A lot of DSCR programs I'm familiar with don't cut back LTV like that until you get to 5+, generally 1-4 units are classified together with maybe some kind of rate adder for 2-4. 

I will say that during that time, the HELOC interest rates were very low.  

Or at least what are investors looking for today as far as return and cap rates?

Some people only want 10-20% of their outstanding lines/debt balances available while the other 80-90% to be in fixed rate notes.

The objective is to upsell to a master mind program or the artificial intelligence datasets, which also have zero response rate.