Many HELOC or second mortgages are fixed interest rates and depending on the loan amount, even offer 100% online and no appraisal requirement for issuance.

Either way, would I be taxed at the normal capital gains rate (for me it’s 15%) for each share that sells?

If you're providing an "up-scale" environment and hope to attract more guests of this calibre (I do; they don't quibble about higher nightly rates and rarely cause problems) then I recommend white duvet covers and wash them after each guest.  

I'm in Transcoastal, which seems to have the best interest rate locked in.

Jack MillerProbably but there is also a significant risk because these borrowers typically do not qualify for conventional financing so the default rate jumps from what is on average 3-5 % to well over 10%.Let’s say you get an extra $10 or $20k, I have seen borrowers do a lot more damage than that to a property as well.

Do not listen to someone selling you a DSCR loan at a higher rate, lots of fees, with a prepayment penalty, etc - just to title into a LLC name.  

VRBO guests have consistently higher rates of issues. 

Because just as in the case of "Cap Rate", the analysis starts out as if the property was bought for cash.]

@Mark TaleonCashflow and appreciation in this environment of high interest rates are hard to achieve at the same time.

Things that make your life easier = 1) Adobe Scan and DC ($17 per mo), 2) Docusign or another e-signature platform ($260 NAR rate +/-).