Quote from @Charles Fay: Hello all, first time posting and wanted to ask for your advice.currently in the military awaiting a 9-12 deployment within the next 6 months.I will have ~150k savings after deployment, 85k before, with no debt, payments or anything other than basic bills, 750+ credit.

That way, you might preserve some of your monthly profit while still knocking out that line of credit.

The credit unions tend to have lower fees and offer solid business products.

I believe Airbnb and Vrbo dont do credit checks is this right?

There's a decent chance that if you have good credit and improve your DTI over the next year, you can put a Heloc on the property while it's still your primary to unlock some of that equity if needed.

They also have the Mortgage Tax Credit.

Read some other comments - I guess it is technically a cash out refi, but you're paying off a line of credit as opposed to putting the cash in your pocket which is what I typically think of when there is a 'cash out refi'.

He's still trying to get you to put $300 on your credit card then they'll promise the kingdom of heaven.Ask them for the addresses of their last deals. 

In the meantime, focus on building your credit, saving for a down payment, and soaking up as much knowledge as you can.

Small, local banks and credit unions always have connection issues no matter the software.