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

My bet is that it will keep going up as inflation pressure is there.

If not and you would rather go the 3.5-5% down than FHA would probably be your best bet because Homestyle Fannie & Freddie have been on hold as far as funding due to COVID and market scarcity.  

That’s the best bet.

I think if your realtor adjusts their MLS search they can find those rehab opportunities that you can even still lowball on the old fashioned way, and the lowball will give you your rehab budget. 

I would bet that the judge would rule in your favor. 

I think your desire to continue in Oregon is probably a safe bet.

Post in there and I would bet you would have significantly more responses.

Your income from this rental is $14k a yr so add that to your taxable income and I bet it takes $100 a mo..So you're at $80 a month in your pocket.....not much.

But investment Refis also took a hit, so I would just shop around and see what you can find and see what is going to be your best bet!