They also are 0% for 12 months right now, with the min payment being 1% of the balance.  

, I’m looking into doing a HELOC on my current owner-occupied duplex (live in one side) to help fund a down payment on another duplex.

I wouldn't trust the value provided for either, I use propstream for a multitude of things, but I always run my own comps.

Are you planning to do a 1031 exchange or a trust deed to avoid/ minimize the property gain tax?

Sharkbite did release a new reinforced press on fitting but I don't yet trust it enough to use one behind a wall.Plumbers in my area also prefer plastic fittings over brass due to hard water although I have yet to see a brass fitting fail locally.

I am currently in contract on Molokai but can by no means afford a $3500/mth mortgage payment without STR opportunities.

Eviction here needs to go to Superior Court months past 1st late payment.

.- When do the payments start and endThis is a little tricky for some real estate investors to understand.

Additionally, there's a fixed self-employment tax.Income Tax: 22% * $70K = $15.4KSelf-Employment Tax: 15.3% * $20K = $3.06KTotal Tax Due: $18.46KRemember to account for any state taxes as well.To defer taxes entirely, you could utilize a 1031 exchange, which allows you to reinvest the proceeds from the sale into a similar investment property, thus deferring the tax payment until a later date.Example #2: Long-Term Capital GainsNow, consider a scenario where you hold onto the property for over a year.Project Details:Property Cost: $70KRenovation Costs: $50KResale Price: $200KProfit: $80K ($200K – $50K – $70K)Since self-employment tax doesn't apply, you only need to calculate the long-term capital gains tax.

For example, lower down payment requirements, FHA loans, and other supportive housing policies make it possible for more people to buy homes despite the high market barriers.Another factor might be the generational wealth transfer from Baby Boomers to Millennials and Gen Z.