Its also possible for the lender to get a judgement against you for the shortage on the payoff(s).

The great thing about Oak Ridge is that there is no shortage of homes that need work.

In general there's a huge rental shortage so you can sometimes command greater then what you might consider market rents both short and long term.   

As construction industry is seeing shortage of qualified labor and higher turnover.

In Rockford, I have found that there is no shortage of 2% deals.

Will there still be a shortage of housing inventory for people to buy or rent in the foreseeable future?

When I lease a house I apply all funds to the deposit first if there is a shortage (something I have only rarely allowed).

Hello @Willie Walden  there is not a shortage of property management softwares out there that is for sure.       

Most of the issue is lack of experience but I suspect now it just isn’t the right time to be a small scale Developer, at least for a newbie.Labor shortages, hiking land values, expensive construction, hostile regulations. 

I think building out a strategy and thinking about what you want to do moving forward is a great starting point because it doesn't seem like you have a shortage of options.From leveraging your existing HELOCs, opening a new one, or fully refinancing your property that is paid off, it feels like the biggest concern I would have for you would be 'paralysis by analysis'.