My plan is as follows:Keep stuff in my name so I have more lending options and better rates, including credit unions. 

You have to follow a huge list of things and then you need to get a permit for the Hot Tub which is like a three step process. 

I plan to do out of state investing given the prices in California! 

I purchased the property with an FHA loan at 5.25% rate but plan to refinance once rates drop (if they ever drop lol).

As part of the Biden/Harris plan to boost housing affordability, the White House is proposing a 5% maximum annual rental rate increase for corporate landlords (or forfeit federal tax breaks).Single-family rents rise faster.

In the process of building momentum currently.

Right, you have a plan and want to go forward so go forward.It isn't something I would invest in.

What is the process? 

Plan is, ill pay Heloc in a year from what I save monthly. 

The new buyer should be responsible for these payments, but you must ensure they are made to avoid issues with the lender or tax authorities.Reselling a property "subject to" can be done, but it comes with risks and requires careful planning and execution.