If it is a normal 70/30 leveraged property, you may end up subject to tax on 70% of your returns anyways - so cost benefit, is that 30% tax free portion worth the high tax rates paid and additional filing fees to get tax free treatment on the 30%?

Does anyone know how true this is and if mortgage rates will keep going up? 

And I could have lower income in that window after I semi-retire, before my mortgages are paid off to take advantage of a lower marginal tax rate

I thought about doing cash out refi, but my current rate is 3.5%. 

With no experience you may have a bigger interest rate but if you have good margins on the hose, you should be OK.

The cookie-cutter projects in Tulum have had lower occupancy rates due to various factors.

Perhaps someone with more knowledge on the neighborhood rental rates can chime in.

I really do try my best to be an awesome landlord, but it’s starting to not feel worth the time and energy.The house is at a 2% fixed rate so it’s hard to consider selling (at least right now), and getting the tenants out of the house would cost at least $5k per the Portland laws.

And most are variable rates.

We then take the utility bills determine base rate split and usage rate.