@Dav PohoteThe answer is it depends,Currently you may be much better off at 15 years due to where interest rates are but when they were 3-4% you could have invested the delta between A 15 and 30 year payment and achieved a return better than the interest you were savingIt’s also a personal preference where people like to have less debt and sleep better at night - I am 100% with that being the reason to do 15 %For example for us our primary is 30 year at 3% and we have a rental that we 15 year at 2.5% and reason we did 15 year on it was it matures the year my son will go to college and we did not “need” the cash flow during this time so we were like let’s have it paid off and then it’s cash flow can be used for his schooling or sell it to pay for school.Lots of things to consider and each situation should fit your needs

@Justin Goodin Why can't you answer the simple question you've been asked numerous times.

The answer seems clear.

@Aaron Landau  I don't know the answer to this but if you are not connected with Masslandlords.net might be a help.

Originally posted by @Jay Phillips:@RIck Montanari You might be interested in this architect's website. 

Happy to discuss further or answer any questions, feel free to reach out! 

I own student rentals so the original “co-living” and STRs.

You know, I just realized I didn't answer the OP's original question.

Hi Kingston,With a HELOC, you are essentially opening a line of credit in addition to your original mortgage.

DSCR loans are likely going to come with higher origination fees, higher interest rates, and prepayment penalties.