Only difference is the $10K is in your bank and the interest starts so you are paying on the full $10K over how ever many years they offer.Lastly, depending on your first mortgage rate it may be best to just do a "Cash out refinance" becuase its over a 30 year mortgage and the rates are lower then both Heloc or Heloans. 

Ideally, meeting with clients at least once to twice a year if their situation warrants it, especially if they have real estate professional or STR loophole. 

My family has had rentals almost 50 years.  

If you depreciate down to zero it would take years.  27.5.  

Additionally, while rates aren't historically bad right now, they are higher than 4-5 years ago, and they will be even higher for you as an investor than they were as an owner occupant, which is what you were when you bought originally.I get that you are anxious to add to your portfolio, but that could be achieved without touching your first golden goose.Sometimes on BP, the push is to leverage every last spare penny, but that can be a risky game as the markets shift. 

@Ryan Dori lots of options besides DSCR. 1 Year income, Asset Depletion, Bank Statements, and P & L only loans. 

Why not compare to one year ago or look at the multiyear trend?

Considering thousands of properties were built before 1978, I imagine the first year will be rocky.

I have my current mortgage as a 25 year (5 year ARM) at 7.5%.

I've had a few of those where they stayed 4 years and were pretty easy on the house.