I've emailed the lender to see if they can adjust my rate and they won't respond to that email but are asking me to sign and complete the refinance.

Make sure to adjust rents immediately on January 1st, as tenants will no longer be lawfully forced to pay above the allowable increase in 2020.

However, two of the common areas of concern for HELOCs I see out there is the 10 year maturity date and the adjustable rate.

With your mortgage, even though you paid for it, they will also do adjustments on the back end to adjust it for the number of days you actually owned the house.

This way you have your costs adjusted based on income and assets; that gets build along the way.Good luckScott, Joshua are local here to work with. 

The adjusted basis would be the lower of:1.

It has been on the market for just over a month and I have adjusted down rent 3 times already.

If the current furnishing will remain, you could do STR until you cant, then adjust.

You could get a 30 year product (fixed or adjustable) starting at approx same rate with 5 year adjustable (fixed for 5 years then adjusts) fixed rate would prob be in high 6's low 7's depending on credit score.

You could get a 30 year loan either fixed or adjustable (on properties 1-4 units), rates are dependant on credit and how high you go on LTV.