Hey Chris would love to visit.  100% of my business is helping clients in all 50 states with purchasing vacation homes/STR properties. 90% of my clients use the 10% down loan because the lower down payment requirement and rates/cost similar to a primary residence.

Currently have a local LTR Condo in CA and Primary SFH in CA.

Tons of things can change a banks trajectory for what they do reupping a loan.Your loan balance is different now, the years left on primary lease are different.The bank might say to do a new loan you need DSCR of 1.25 now instead of 1.10 for example.

I still may proceed as it’s my primary residence so the negative equity portion is not my primary goal but it remains a good argument against.

Great tools that get updated regularly.I am on the lending side of things and would be happy to hop on a call with you anytime to discuss financial strategies and help answer any questions you may have about nearly any loan product available to help you on your journey, even if they are not products my capital partners offer.I am also fully licensed for primary and secondary homes in Florida.We are all here to help you learn and grow.

Most will be 30yr fixed, but you're still going to need 20%+ down and will be 1-2% over what you see quoted as "today's 30yr fixed mortgage rate", which is usually the ballpark for someone buying a primary with 20% down and 780 credit. 

In early 2023, retailer “Tuesday Morning” filed for Chapter 11 bankruptcy ( Link ), which was only months after REV purchased a controlling stake in the company for $35 million.The point of this explanation is the absence of any mention or connection to Marco Santarelli or Norada Capital Management.The entire business model that is said to be a material part of generating the revenue to pay the returns of up to 17% annually appears to be a complete fabrication.

I rented out my first primary residence in Morrison, CO in 2018, and purchased my first true investment property in Highlands Ranch, CO in 2019. 

Not sure if these are all investment properties or if you're including a primary or second home, but my suggestion would be a cash out refi of an investment property to pay off your debt, and a line of credit on your primary to have available for reserves if needed.

One as our primary and the other as the backup.