@Seo Hui Han, in a high interest/low cap rate environment debt kills commercial deals. 

Pretty reasonable rates. 

I originally signed up for it because it had a good rate and hadn’t realized it was a cash back card until this past statement.

It's hard with interest rates and homes between $350,000 to ,$500,000.

You do want to be careful though, as in a perfect scenario, you'd BRRRR the rental and when you refi, pull all your cash out to pay off your HELOC until you find the next deal.Challenge is that it's not as easy to do this as it was 2-3 years ago when low interest rates could cover mistakes.PM us if you'd like to chat about more specifics:)

It may not add much value but I am hoping it'll bring up the rental rates when that time comes.

Let's use a tax rate of 25% just for kicks. 

I was wondering if you're comfortable sharing some insights with me.If so, could you let me know what trends you've noticed in terms of vacancy rates for your unit(s)?

It's not cheap, but we do this frequently. 

Just because something can be done doesn't mean that you should do it.I would not own real estate within a retirement account(including SDIRA).Reasons1) Complexities with RMD2) Lose out on depreciation3) Appreciation when sold would be taxed at marginal rates instead of preferred long-term capital gain rates4) Etc