(or at least they move less often) If you are seeking predictable and stable income, choose to have all the homes owned by the residents who only pay you lot rent.

I talked to the lender that I'm doing refi now and they said I can only choose one: the line of credit or the refi.I don't really want to lose that 2.6% but still want to do the refi as the rate is low as well. 

Choose 1 and commit to it, otherwise, statistically you won't get very far with any of them.

Though anyone may choose to start up a policy at any time.

Songs like the only realistic option on this is a short sale, but that heavily depends on what the seller means by selling for $50k.

You are also choosing an owner occupant loan product while you are in london and your partner is currently not living in Denver. 

Choosing high-appreciating areas can be tricky, as you definitely have to be up on your local news and aware of the goings-on in your area.

Would you choose that over a HML, and why? 

One problem I do know of that is becoming a cancer is people not wanting to go back to work due to them receiving unemployment; and with the schools shut down, kids are home all day and need a care taker, so most parents are choosing to not accept new work, which is illegal actually, and if reported they could lose their unemployment.

What I would say is first precisely define your strategy/criteria/goals before choosing a market.