In the end, it may be the same amount of money or more, but it will just have to be structured differently as you navigate the shifting market.Northwest Valley would be a good option. 

We're all here with the same questions.

I have two properties (exact same property just across the street from each other) one is a seller finance that is coming to the end of its contract for balloon payment and the other is a fix and hold Interest only loan that is also coming to the end of its contract for balloon payment.

As noted, it really comes down more to your underlying goals. 

This is the kiss of death shows up. 

Had to come up with the contractor's estimate too.

Unless something has changed but I hope they can speed up the production of them.

Fixed Mortgage does come with closing costs and points upfront which the HELOC does not, except a $95 annual fee. 

This is a question that has come up a million times and will continue coming up forever in Chicago unless eventually things change one way or another.

Whether it goes up or down.