I also can take out a home equity line of credit on my current home....but I need direction. 

My duplex - built 1989, 2,060 sf, 2 bed/bath, 1 year old roof, value if I subdivide (county already approved) and sell each separately $150k each ($300k total)Investor duplex - built 1995, 2,300 sf, 2 bed/bath, 5 year old roof, value around $310kThe investors initial request was for an equal trade and they would pay realtor fees, which I replied wouldn't be equal due to buying/selling costs (recording fees, title insurance, closing fee, survey, inspections, loan fees, 1031 fees, accountant fees, repairs), taxes would increase due to new sale price, I'd trade a 3.75% mortgage for a higher one, and I'm on the 10th year of a 30 year loan so resetting that to a new loan would restart amortization and pay more towards interest.

Found this thread as I am researching Landlord insurance as it relates to student housing.  

But then as the home prices kept going up, they decided to get out of the market, thinking that there would either be another crash or home prices had gotten too high at that point.

You want an investment that pays for itself, including mortgage, taxes, insurance, maintenance, and even some money set aside for a reserve to cover vacancies and capital expenditures.

Does anyone know anyone that does 5% for a vacation home loan? 

.: Is it legal, per the IRS, to rent my primary home back to myself? 

Like I mentioned to Eliott, I'm very young and I can't get a loan.

@David Matarazzo  Did either of you move forward with them for property loans?

Maybe you can call your insurance agent and they could possibly whip up a letter or something.