To lump in bitcoin as cause for that would be the same as lumping in the average bank customers cash deposit when certain banks launder money.

If they are able to remove the term it will be dependent on the loan underwriting requirements, not because they want to keep you as a banking customer.

Look for areas that are going to generate a lot of visits year round.

Your profit is the difference between your adjusted cost basis and your net sale.Adjusted cost basis is your cost of acquisition plus any capitalized improvements minus depreciation.It is very possible that you could sell a property you have refinanced and generate no cash at the sale but still have a big tax bill because you sell it for more than you purchased it for.

This being said, putting tons of pressure on the team to generate more investor leads.

That's great that the bank who currently holds the note wants you on 20 year or 15 year amortization, they view you as a captive customer, they don't have to earn your business any more, as far as they are concerned. 

I, like you run my firs duplex with the same culture of focusing on customer service.

My goal is to create generational wealth for my family and to eventually have the financial freedom to say "yes" to travel adventures as a family.

Meaning how to attract the type of people you want to your STR listings and how the heck you are supposed to know if there is a market for your type of "customer" in the area you are investing.

@Ryon PaxHave you considered cutting some of your personal expenses to pay for the HELOC or find another way to generate added income?