So, you need to be sure it makes sense as it does not always do so.Also, keep in mind, line of credit are for short term cash needs NOT long term for example a down payment on a property you plan on keeping for the long term.

Looking to do mid term rental in the unit that is left furnished while they are not there and Section 8 in the other units ideally.Just trying to get my reps in with deal calculations.

Investment Info:

Single-family residence buy & hold investment.

Purchase price: $118,000

Cash invested: $30,000

This is a single family property this is rented by the room. The entire house is fu...

But what jumped out to me was the immeasurable in terms of dollars:“But our family has grown!”

You are doing all the right things right now in terms of gathering great information.

Short-term rental is any rental less than 30 days and is subject to the primary residence rule and require a permit.

Does anyone have a long term relationship with them who'd care to comment?

It sounded like another term for assumable mortgage, but I appreciate the clarification.

Find a lender who understands your long term real estate goals and understands that rental income can help knock down your DTI to qualify for more loans and acquire more properties. 

AFRs change monthly and can be found here:https://apps.irs.gov/app/picklist/list/federalRates.htmlYou need Table 1 from the monthly Revenue Ruling.Currently, the rates are around 1% or below, depending on the term and size of the loan.