Turns out, the appraiser said it would pay off.

She has the title to the property as it is fully paid off.

The HEI/HEA is not feasible because of the percentages most companies are wanting to take (some are over 50% of the appreciation from the date of the HEA).The biggest question is that we'd be losing our 2.875% rate, which will be paid off in 15 yrs.

I've been reading BP forums off and on for awhile now.

Anyway, I went off subject again.

Or am I off?

You would literally be better off selling and buying the neighbor’s condo to rent out.

The property sits between two good quality hotels off of a busy highway.

I would be Uber pissed off if one of my neighbors started to use their house as a STR. 

For example, in about 1 year both my car loan and student loan will be paid off.