What you can purchase today for $100 will require $155 in 10 years if the inflation rate is 5%.

Who is giving out killer rates right now on jumbo loans?

When I rehabbed the basement I tore out the existing drywall ceiling and added sound-proofing insulation followed by a 5/8" fire-rated drywall thinking that would be enough, but apparently the tenants can hear us walking, the dogs claws (we have hardwoods) as well as the TV.

The home is in a B class neighborhood inside of a good school district.

I went to school at Mississippi State, but I'm out of the loop on the area in terms of rental property.

Would love to join, if my offer is accepted I will suddenly have 2 STRs because I spent the last year converting and living in a 35 ft school bus that I plan to list as a unique STR, while I house hack the new property(The property I put an offer on has an established AirBnB). 

Our interest rate is 2.8% putting our mortgage at only $1,880. 

I’m also interested in banking with a community oriented bank or credit union, black owned bank/CU, or similar, but interest rates there are often lower than online HYSAs.

just be cautious when it comes to using these. ensure you've got a plan to pay that balance back in a relatively quick fashion as most HELOC rates can fluctuate which could make the numbers suddenly not work. i've leveraged mine in instances where i'm doing a BRRR and i want the deposit for a private money loan. i'm not using it as my downpayment and leaving it out there for a long period of time. 

Keep in mind - a good response rate is between 0.5%-1%.