It would be a good idea to assess your tolerance to risk and then plan something like that, but using a heloc is going to be around 9-11% in this market so to pay something off with lower interest rate to borrow more might not make much sense.

Does anyone here have any idea (based on data), if the home prices will be going up or down in 2025?

If you buy in a city with limited appreciation, every investment dollar must come from your savings.

Great idea. :)

While I love the idea of eventually owning a paid-off primary residence, I’m debating whether it’s smarter to sell our current house and use the equity as a down payment on the new home or to keep it as a rental.

Unlike banks, which offer limited loan options, brokers have access to a wide network of lenders, including niche and non-traditional financing sources.Here’s what they do:Assess your financial situation to determine your borrowing power.Compare multiple loan products to find the most favorable terms.Negotiate rates and terms with lenders on your behalf.Guide you through the application process, ensuring you meet all requirements.Example: Suppose you have a lower credit score or unconventional income sources.

Many lenders will limit to 65LTV for Foreign Investors, but there are some exceptions who will go to 70LTV or even 75LTV. 

If the idea of doing accounting or finance is not appealing, don't do it.

there just aren’t many sold properties in the neighborhood in the last 3 months and even out to 6 months is limited.  

You have to put more money down and pay a higher interest rate and is limited to only 2% IPC.