Partners have played a key role in my development and confidence as an investor.

A prominent MLO in the northeast was recently charged and stripped of his license for playing this game with his borrowers.Also, everything is reviewed by underwriting.

Also something to consider is what is the appreciation play looking like? 

nice job I grew up flipping land I love that play still fund land flippers to this day is a niche of lending that I have carved out.. 

I think knowing more numbers, heloc limit, plans and objectives for future goals all should play into "what is best".

Together, they have a lot of units in play there and have done very well with long-term rents and mid-term as well.

The STR, if purely an appreciation play,  is speculation to me. 

Selling now avoids capital gains tax and lets you reinvest into a new primary home and a solid rental property, which feels like the safer play given the cash flow challenges and ARM timeline.

The big boys play this as a team sport, so think about what you need to know, who you can get it from and then go find that person.

Thats going to play a big role in your options i think