and it's actually expensive to buy and to sell. lots of fees, costs, charges, points.  

Hell hath no fury like a scorned tenant with nothing to lose :)Generally our clients are finding that SF rentals are actually selling better and more quickly when vacant. 

But better yet, do a deep search on this very Forum and see what actual S8 Landlords have said about this.whomever wrote this " cut and paste " is clueless.

(I intend to actually vacation there at least for a 4-10 days yearly). 

We actually have a duplex we are looking to assign if you may be interested.

@Corby Goade i deff understand a home equity loan and line of credit and would actually RATHER do then then the cash out refinance because sooner or later the Pmi will go away and my monthly payment will drop And I will keep my 3.75 rate but I will be paying more money with the holc because it’s still at a higher intrest rate then the cash out refinance 

How i came to buy my first home and why desperation caused me to think out of the box for a solution to repair my life and the steps i did to date with results. 

The FED actually said yesterday that rates will remain elevated through 2023 and that they will evaluate cutting rate hikes in the start of 2024.

I try and look for property's with the same characteristics as my subject home by trying to look for property's with the same bedroom and bathroom count but I feel like it's hard to find good comps or enough comps to actually get a good evaluation If anyone does anything different I would love to hear your feed back. 

The sales contract used by realtors in my state actually acknowledges receipt/review of the seller's disclosure.