@Collette Douglas FWIW, I just got a quote for a property in Wareham MA in a VE 20 flood zone for $5,800.00.FYI, VE means "velocity", for wind or wave-driven water.  20 means 20 feet, which is the height of the 100 year flood.

You've got a great interest rate and are seeing good appreciation, so I'd be terrible to get rid of this investment.Have you considered using "velocity banking" to pay off the current HELOC as quickly as possible?

You need to be sure that it's a good investment property and not all houses are.In terms of paying back the HELOC, you can check out "velocity banking," which may be a good strategy.

https://www.biggerpockets.com/forums/519/topics/453785-has-anyone-ever-used-the-velocity-banking-strategyHere is an incredibly long and well discussed ongoing thread about the topic for context.

Investing is all about having capital velocity, how quick does your money go out and return to you so you can do it again.

So when you're trying to have this sort of velocity of capital...South Jersey just doesn't work.

as a realtor, I can tell you that even any human being, especially if they understand where the market is / is heading (and with what velocity) + when they can interpret the comps, will price property MUCH more accurately than any of the algorithms on the consumer web sites, such as zillow, redfin, etc.

I have a bit of an advantage though because as a broker there is a level of value that I bring to the table, market knowledge, transaction experience, deal velocity, essentially tens of millions of dollars of investment experience.

There is no secret......limely tou’re hearing this crap about “paying off your mtg with a heloc, Velocity Banking), has been debated here to death.  

@Taylor Fontaine, search BP for "velocity banking" there are a number of threads on it.