LOL this is the first area in columbus i've analyzed where property values went down at 2.31% decrease year over year.

It will decrease your cash flow as your single payment will be higher than the multiple payments combined. 

Use them as an asset to borrow against instead and if you can.Don't leverage to the point where you can be forced to sell in a temporary or longer downturn.

You can have it quoted as non-warrantable and if it comes back as warrantable, the interest rate and monthly payment will decrease a bit! 

People on vacation or temporary work assignments. 

It further illustrates the point that it's really hard to pull off a BRRRR without the tailwind of decreasing rates and/or market appreciation. 

Of course, no one knows for sure, but it seems the FED deferred interest rate decreased.

80% of traditional mortgage payment is interest regardless .You'd rather be locked into a rate rather than it consistently floating . helocs can also be locked or decreased at anytime by the lender 

But that's likely just a temporary thing. 

That's a valid point.The partition would be more of a temporary measure, once the back yard is developed the whole property should go into a condominium.