There were no other variables given to consider in the question.Thank you!

Some of my local CU is still offering amazing 'low cost' loan like that.I would rather pay my CC bill at 2% rather than paying them at variable rate if you could only pay them monthly.

There’s so many other variables to determine why a house sells and another doesn’t.This is just an assumption, but if you still owe $215k on the properties and paying a conservative (it's probably more) $1300 in monthly PITI, added with the $1000 net monthly cash flow. 

That leads to the max concurrent vacancies that make the investment difficult.I also favored the Cash-Flow formula:  (NOI less mortgage+interest ) / down payment and the variables and their impact from change is seen.

There are too many variables to create a single system.

However out of that $1,900 only $300 was interest and the rest could be taken out right after I made the payment, at the normal variable rate.

There are so many variables.

My initial plan was to do exactly that, my work as a chef is variable so I have some down time this month to focus on learning more about real estate.

I have 2 variables that cause the delay. 1) I need to improve my personal credit utilization %.

During the initial draw period, its a variable interest rate.Like I said, I actually haven't gotten a HELOC in years.