Everyone shoots for averages, but you will always have the unknown, and the unknown is always expensive.

They don't care if it sit vacant, the property will hold better than the unknown on the stock market or any other type on investment with this crazy political climate.

Either happening is unknown but bottom line is potentially pay now or pay more later.No pet poliies are common and success full approach to mitigating risk.

I was an antique dealer from 2012-2016 and about half way through many of my colleagues and I stopped reselling upholstered furniture and also stopped picking up furniture from unknown sources.

It's public record::  Filed 02/20/18 Page 1 of 37 Page ID #:1UNITED STATES DISTRICT COURT CENTRAL DISTRICT OF CALIFORNIACOMPLAINT Breach of Settlement AgreementFraud/DeceitFalse PromiseConversionBreach of Fiduciary DutyUCL 17200 ViolationUCL 17500 ViolationRICODEFENDANTSCHARLES SELLS, an individual; DON FULLMAN, an individual; PIP EAST, LLC d/b/a the PIP GROUP f/k/a PIP WEST, LLC, a business entity form unknown; LENA SELLS, an individual and DOES 1-50, inclusive,The Ponzi Scheme31.

There are too many unknowns in this fact pattern to come to such a moral conclusion right away.

The only thing scary usually is the fear of the unknown. 

So my suggestion is that if the length of loan is either unknown or known to be long term, use a fixed rate refinance over the HELOC. 

But it may be laziness or fear of the unknown on the agents part.

I list REO's and my other colleagues list hundreds of them.The banks DO NOT allow assigment.No asset manager (who gets paid salary plus a bonus) wants to lock up a property for an assignment to an unknown third party.The more junk as an investor you put in the contract the more an asset manager will say NEXT !