If you feel ambitious, you could try a BRRR strategy adding additional equity to the subject home and then taking equity out of it to pay off either the HELOC or if you decided to the refinance the primary residence. 

I have lived in Austin for almost 20 years where I own one house that has been my primary residence for four years now. 

The problem with that is it'll be harder for the residents and the vendors to use the rentvine features as fewer people want to log in to a website from a smartphone.Also, it requires a lot of clicks/scrolling/opening new pages/tabs to get to where you want. 

My name is David Hausner and I recently purchased a Single Family Residence with LoanGuys.com.

I am curious as to if anyone is aware of any first time home buyers programs for buying the first Primary Residence.

There's a few different ways to focus on a lower rate such as with house hacking and making the investment your primary residence, requesting a significant closing credit from the sellers for standard rate buy-downs (which I've had great success with recently), or utilizing lenders who offer short term rate lowering solutions such as 2-1 rate buy downs (again, ideally paid for by the sellers).

If no one but owner-occupants can STR... then that should mean opportunity for owner-occupants who STR their primary residences in many jurisdictions.- Large remodels or construction projects (Live in Flip) can be self-managed, worked on directly, and the value add, after 2 years, is largely tax free up to certain limits. - Many areas around the country allow for ADU Construction - house-hackers enjoy similar benefits to remodeling projects by being naturally on-site for ADU construction. 

For my personal residence - yes, i would love to own it free and clear as it's not an investment but rather liability which I want to minimize as much as possible.  

So everything hinges on appreciation, which could come back with inflation.Primary residences are often not good rental assets.

The resident pays the second month on time and then, and only then, do they get the concession.If the market is soft, and we are having trouble renting, before we consider concessions, we look at the product, the marketing, and lastly the price.