I don't plan on buying anytime really soon but I'd love to start connecting with more seasoned investors and local professionals within the area.

In addition, I included my plan strategy in the attachments.

Even if the intent is to convert this into a rental upon grandma's passing, you still would like the step-up in basis unless you plan of lifetime of 1031 / 721 exchanges.

Plan B is that if I'm unable to refi, I'll sell off my only SFR and then I can pay off over 60% of the credit card debt and then I'll try again to refi.

Customers in the shoulder season appear to be much much more price sensitive and highly prefer payment plans.

I still plan on paying the monthly HOA required payment but I am not intending to pay thousands I had no decision-making power on.

I don’t see the sense in paying off my own house at presumably low interest rates, and exchanging that for a higher rate, variable interest line…unless I have a really good plan for not losing my house.  

Hey @Andy Terra - currently I'm using a power dialer and handling the leads myself but plan on hiring some VAs later this year or early next.

I plan to use most of my own money, just wanted some extra capital incase I needed it to make the numbers work.

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