@Matt Gregory the main element I would ask you to think about here is that a HELOC is designed as a temporary loan. 

Currently renting my basement out to a single mother and her child since last March, original rent was $1575 (all utilities) and I saw her situation at the time and dropped it to $1500 for a 12 month lease with all utilities included, she purchased a electric charging vehicle less than two months after moving in so obviously taking full advantage of all utilities included.Two months ago, she had a boyfriend stay with her and told me that it was temporary while he is looking for a new place.

Currently renting my basement out to a single mother and her child since last March, original rent was $1575 (all utilities) and I saw her situation at the time and dropped it to $1500 for a 12 month lease with all utilities included, she purchased a electric charging vehicle less than two months after moving in so obviously taking full advantage of all utilities included.Two months ago, she had a boyfriend stay with her and told me that it was temporary while he is looking for a new place.

Then refinance with a local bank or CU after the required time. (1-2 years) Sounds you have enough meat on the bone to afford the higher temporary int. rate. 

I use a loan program that allowed me to purchase a home using my 4 year bachelors degree as my 2 years work experience and got a temporary job in my field.

Pool Renovation $17,302 1) Pools resurfacing for 1 pool at Villa Roof replacements $47,525 1) New Roof for Westers2) Roof improvement for Cumberland to eliminate stagnant water Security Systems $9,458 1) Camera monitoring systems - 16 Channels Signs $10,000 1) Temporary Signage for the property Water Heater replacements $31,314 1) 3-4 Water Heater replacement for the property Grand Total $1,348,741See below pictures to see before and after.

We expereinced an anomaly of “temporary” demand from the flood of August 2016 that delayed the expected declines and softening of the rental market.  

I have been assigned to a temporary EXPAT in Suzhou, China for 18 months.

z LLC owed property z.I don't know that a trust needs to be temporary. 

You never want to build MI in the rate on a property you are going to hold as the MI will be temporary while the rate is there until you sell.