And you do not technically have to replace debt. 

There's a good chance the issue(s) you face has already been discussed and answered.Ask questions in the appropriate forum.

There's a good chance the issue(s) you face has already been discussed and answered.Ask questions in the appropriate forum.

@Jordan Kaylor Using a HELOC to purchase a property and then refinancing into a conventional mortgage is technically considered a cash-out refinance.

Two things I remember that probably don't happen today: -First property was a no-doc loan, technically low doc because you still had to provide information but with 30%+ down pretty much anything you wanted was yours.

There's a good chance the issue(s) you face has already been discussed and answered.Ask questions in the appropriate forum.

Technically, you can't buy a (mortgage) loan interest rate below the federal funds rate right ? 

There's a good chance the issue(s) you face has already been discussed and answered.Ask questions in the appropriate forum.

The ADU would then be used as a long-term rental.Does this qualify as a “like-for-like” property exchange even though I’m technically not buying another property and does a 1031 apply?

Technically, Sub-To is legal, but the way some "gurus" teach it, I have problems with it.