The 2-3% points in extra cost are worth it if you plan on using as I described above because the use would be for a few  months at most and due to that short term use you can survive a rate adjustment up.But, if you have no plan to payoff the debt like when using for a down payment on a long term hold why pay the extra cost for flexibility and have the additional risk of the adjustable rate with the amortization looming when you can get a fixed rate second mortgage. 

@Caleigh McDonough age old question.How long will it take you to save the extra funds vs how much the property may increase in price over that time?

Feel free to PM me for details if you'd like Sorry Sergey but I must've been half asleep..... 

That is if there is no record on the platform of the request.Otherwise you can modify the reservation to add the week and do a payment request for the extra cleaning or bake it into the extra week charge.

Any ideas on what I could turn it into to help generate some extra profit?

I wish we could tap into equity as easy as that. let me know if I can help in any way but probably not to answer your question. if you can split the lot and sell half that might be an idea to recapitalize. that's the the only way 

Earning an extra 3% on $2k that you’re likely holding for less than a year.

Can I choose to pay half of the deferred capital gain with the 2025 tax return and half with the 2026 return given that I would capture the 10% exclusion of capital gain with the 2025 tax return and won't be able to capture more before the deadline of Dec 2026 (unless congress decides otherwise).

If there aren't issues with this and it wouldn't be too much extra work, I'm really just looking for an additional tool to incentivize our borrowers/purchasers to keep paying timely each month. 

Maybe if you really like these guys and their work...and feel that they honestly got in over their heads, you could throw them an extra $500 just to appear 'nice'.