But for a short answer.

However, the IRS may scrutinize exchanges if the holding period post-transfer is too short (typically 12-24 months recommended).If one partner wants to defer capital gains while the other prefers cash, the deferring partner could reinvest their share into a Qualified Opportunity Zone (QOZ) fund, which can defer and reduce taxable gains if held for at least 10 years.

I provide short term rental furnishing and renovation finish list that includes paint colors, light fixtures, cabinets etc.

I assume you got a better interest rate, and I know you are saving a boatload of interest. 3) imagine year 11-30 where you are cash flowing thousands with paid off properties instead of hundreds because of these lean 10 years. 4) hopefully you can raise rents at least $100 each every year and in 2 years your cash flow neutral even with preferred short term mortgage. 

I’m actually also an investor in long term property rentals in Ohio so I’ve seen success in short term and long term rentals.

I would assume that if its for a short term loan, it would likely be better terms with the HELOC but I dont know much about the subject honestly. 

Income would cover rent for a short time.

Owning a duplex at 20 is a huge accomplishment, and it’s inspiring to see you’re already planning your next move.From my perspective, real estate investing is a long-term game focused on building equity, paying down debt, and maintaining stability over chasing short-term cash flow.

I'm considering adding this product for my short-term rental (STR) as well, but I plan to go directly to Waivo since I've already had a consultation with them.

Be mindful of the harsh winters and short construction seasons, which can affect project timing.