Reduced living costs will help you save which then would make buying again quicker.

Your cashflow is decent for the two investment condos and you have reduced maintenance there because of the HOA (but you have HOA which is a hindrance), but I would rather sell those and trade up to a multi with no HOA.

If not what is the best way to reduce my tax payment to what it was originally and is it possible to prevent increases in the future?

Given the Fico on this deal, this is probably the biggest lever you can pull to reduce the total costs.

However, landlords renting at those prices may be seeing increased vacancy/turnover reducing the actual rent they receive!

With a half point rate reduction by the Fed, our HELOC rate was reduced by the same amount, and we've begun the refinance process.

This will reduce likelihood of a claim and your premium

Obviously, with rates dropping I am looking to refinance to reduce that rate.

Selling would net $400k tax-free, allowing you to reduce the mortgage on your new home and avoid managing an older property.

I'm considering doing it as an LLC to reduce liability.Thank you