I own 4 two/three flats bought between 2013 and 2020 in Forest Park, Illinois, at low interest rates and prices in 200000's  They cash flow nicely and prices have increased a lot. 

Understand how to "add value" to the property and evaluate cap rates, IRR, cash on cash returns. 

You’re not going to find a safe way to do what you want unless you or the “buyer” has enough cash to pay off the note. 

Retaining your current home at a 2.875% mortgage rate maximizes cash flow, while accessing $65K in equity provides liquidity for your next steps.

Doing a cash out refinance. 

If you used a loan to rehab your property and find yourself in a difficult position, doing a straight refi (just paying off the old mortgage) will be easier than trying to pay off the original loan and take additional cash out.

If you have cash on hand to fund the rehab and want to extract it soon after the project is done, you can use delayed financing.

If you're open to expanding your search, Columbus OH also has positive cash flowing deals at an affordable price point - $120k-$180k. 

Personally, if I can hold with a little bit of cash flow but good upside appreciation over time I’d prefer to hold.

Sara,I see this a lot and I always ask if you know you are going to refinance in the long run to consolidate the Heloc why not just do a Cash out refinance instead.