As being as young as you are you have the flexibility of not a lot of responsibility.

I wouldn't do any sort of "if you pay this way you get this flexibility, but not if you pay that way".  

I love HELOC if you know there is going to some cash flow and you want the flexibility of taking out and putting it back.

They should be flexible as the market changes and economic conditions evolve, what works one year in one market may not in the next.

If you do have the flexibility to determine how much you take home, I'd assume you'd want to put 0% commission. 

We did consider a 20 year REFI option but with the extra payments the cashflow is much smaller, and the 30 year with extra payments came out very close in terms of total $ saved over the life of the loan, with the added flexibility and smaller minimum payments.Looking for any feedback or suggestions as someone who's just getting started a little later in life (37)!

Be flexible, stay liquid, don't over leverage and everything will be fine.

My schedule is currently rather flexible but I am currently working full time.

(LLC vesting is fine, these don't report to credit bureaus, more flexible underwriting, etc etc.)

For these reasons, I don't think working remote will cause every tech company to abandon their office space.A possible reason for big companies like Google and Indeed to mandate remote work is because they are big, they aren't as flexible to go back and forth on physically returning to the office.