Had a call with them yesterday about it and it sounds like it could be a great product for someone with free cash flow to prepay their mortgage while still having full access to the full equity line.  

Feel free to reach out if you would like to connect, we have several STR in the area.

i know that's not what anyone wants to hear right now, but the huge rise in home equity over the last 5 years has made equity seem like it's free money and it's absolutely not, in fact it's extremely expensive.  

Feel free to reach out if you have any questions. https://www.biggerpockets.com/forums/51/topics/1113749-cost-segregation-faq

But if the stress and financial burden are outweighing the potential upside, this might be a great time to cut losses, free up capital, and reset for a more promising opportunity.At the end of the day, successful investors make decisions not based on sunk costs but on future potential.

Selling off part of the land could free up some cash without losing the whole property.

If you have any more questions, feel free to DM me.

We have sold (tax free), kept as long term and/or short term rentals as well.

It’s important to do your due diligence on the specific properties and local market conditions to ensure they meet your investment goals.If you'd like more information on how to finance these types of properties feel free to DM me.

(Anything that isn’t your primwry first is only tax free on a pro-rated basis.)I don’t know how you could swing it but…If they gifted you the kand they would avoid their capital gains tax.