Let’s definitely connect.

That definitely clears it up.

@Ceasar Abreu, another possible benefit of a HELOC is they are often interest only for many years, which means your net cash flow could be higher, but this also leaves a balloon payment.I will echo Greg: the only thing refinancing definitely saves you is having to write one check instead of two each month.  

So I’m trying to decide if it would be better for me to use my money to pay down my current loan, knowing I’ll definitely not be able to fully pay it off by the time I move, or to put my money towards buying my first invest property.

We definitely need to continue saving but I think you're right, wholesaling is my best bet to get started.

If so, there are definitely tax strategies you could start planning for.

@Judy P.Maybe worth it if you’re a homeowner (primary residence) definitely not worth it if you’re a landlord

I will definitely do that, NOW!!

Unless a property with opportunity crosses my path from the MLS, off-market, or a wholesaler we're not buying it. 

Spend some time to  gain clarity about what you hope to achieve and what the path to achieve it;  that will make the myraid of decisions easier.