I have a followup question - I will realize a lot of capital gain from this home in Idaho, so I think unless I purchase a new primary residence I will have to pay that capital gains tax. 

.: I would go HELOC for sure that would be best as others were saying the lower cost for the money changes between paying a higher rate for a personal line and typically personal lines they want a higher monthly charge as well independent from the interest rate.  

You didn’t mention the property or deal specifics, but for many deals in the recent years, there have been amazing and unusual gains due to multiple unnatural circumstances.

Kowal I sold a bunch of index funds in January 2025 and will have a six figure capital gain.

I don't know the rules in the US, but in Canada, you can do that every 2 years and when you sell, you don't pay taxes on the capital gains.

I'll make sure to spend the initial deals learning and asking questions to gain practical insights.

Just be mindful that you can't 1031 a personal residence but it might be eligible for capital gain exclusion from section 121.

Your net gain is your net sale, minus your adjust cost basis.

Is there any creative way to avoid/reduce capital gains tax on the sale ?

It is my understanding that the new owner will have the house at the cost basis of my purchase price, for calculating capital gains taxes or depreciation.For gift tax purposes for you - FMV.For capital gain tax purposes for the recipient - your original basis/purchase price