I know it doesn't affect your mortgage payment already.

The CU offered me $200k, interest only or principle and interest payments.

What you are referring to is a  DSCR loan which the lending companies do provide, they do require decent down payment and it must have good cash flow.

And, if the home has, at minimum, retained its value then 8 years in loan payments should have reduced the debt therefore creating a potential profit when sold. 

Separately tracking mortgage payments PIT 3.

I can put a large down payment and seller is apparently willing to carry due to the unfinanceability of the land.

Cold pull in some cash for another down payment. . 

I already use Zillow for payments and applications.

Your monthly HELOC payment is way, way, way too high.

This might be a little weird but I came across the post because I'm looking for information about REIReply.REIReply is a real estate marketing system built on Go High Level's white-label plan.And I use and love GHL because it's more than just a CRM BUT it's not specifically built for real estate investors.That's where a company like REIReply might come in.You see, several digital marketing companies use GHL to run their businesses and many of them, my company included, have developed powerful follow-up systems.However, the problem is that GHL is only as good as the templates, campaigns, etc that are built within the system.While I have almost 20 years of digital marketing experience and can build effective and powerful campaigns for me and my clients, I don't have nearly as much experience in real estate.Ergo, I'm considering REIReply.If they are as good with real estate marketing as I am with my company's marketing, they have a killer deal.