I know there are a lot of variables like what area, the condition of the building etc but I guess the more I keep researching and looking the more I will become familiar with the pricing.

In most cases it will be a 5, 7, or 10 yr that will either balloon or become variable rate at the end of the term.

Will Vera That would depend on a few variables such as 1.

Either improve these variables or adjust your price.

If that isn't an option, the HELOC is a great option but keep in mind that HELOCs typically have variable rates so be sure that you could afford the monthly payment on whatever you draw from the HELOC while the renovation is taking place.

The purchase price was the faulty variable.

The less the trim has been touched on these, the better, as it was almost always really good white oak when it went in.The vent in pic 6 of 9 indicates an old-style gravity furnace, which means that when you replace it, you'll need a new-style variable speed furnace, which is about 50% more expensive than a standard forced-air furnace.

I recommend you do this each year to adjust for utility increases and other variables.

HELOCs will place shorter-term debt on the property and are variable (though you may find one that as a 1-2 year fixed rate), interest only for the initial term, low closing costs (most banks have an appraisal and that's it), balloon payments at the end of ~10 years (or convert to long-term debt). 

HELOC is going to be more risk with a high, variable rate.