With that low interest rate, you will have paid down a lot of equity in the deal and should be able to finance with a bank.

The interest rate is not special nor is the 20% down (80% LTV).  

You can also expect increasing HOA fees, and there may be some problems renting a property inside a difficult.You don't have any experience, prices are at an all-time high, and rates are also high. 

The tax paid from your lending proceeds should be the equivalent of your tax rate I would think.

I will say that during that time, the HELOC interest rates were very low.  

White collar professionals, higher education rates.

It's the boring places that probably won't appreciate above the rate of inflation that will provide real month to month income. 

Thought about refinancing at the time, but didn't do it before rates exploded.

When it comes to managing your mortgage, most homeowners are familiar with refinancing as a way to lower monthly payments or take advantage of better interest rates.

@Robin Simon I completed a refinance with my credit union at terms of 3/30/75 @6.85% I will have the renwal in 2026 and hoping rates come down a little by then.