The lower unit is a basement/guest suite.

A HELOC offers flexibility and lower interest rates, which can be ideal if you’re looking for short-term financing with lower payments during construction.

By accelerating your depreciation schedules, you reduce your taxable income which in turn increases your operating cash flow.

But, these broad market studies are so large, they are almost meaningless, in the real world.Between glut of new supply in many "hot" markets coming online, a continually softening economic outlook, inflation over last couple years making day to day items feel cost prohibitive, many average renters are strapped and seeking lower cost housing.  

I suspect there would be massive blow back if the feds attempt to lower sec 8 rental assistance. 

However, I made the decision when interest rate was lower and there was support for an appreciating real estate market.

I have lowered the price significantly this year. 

Planned energy-efficient HVAC installations will replace outdated ceramic heaters, reducing tenant utility costs, lowering insurance premiums, and qualifying for utility reimbursement programs—a win-win for tenants and investors alike.Inflation HedgeReal estate is historically a strong hedge against inflation.

Are there any lenders who are lower than this, I've been brokering myself.

Question: Should I collateralize the loan (if using private or hard money), or rely on roll-over loans (to maximize the lower points and 3-4% rate)?