Investment Info:Single-family residence buy & hold investment.

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Then my credit union (BECU) whom I bank with but don't hold the mortgage with offered me one with no automatic withdrawal requirements.

How long do you plan to hold a property?

All things equal I'd be looking at economic growth in the north burbs and the long-game of holding a rental 10+ years. 

It looks like you’d be losing a lot of money to hold onto it. 

Buy and hold rentals.

Best regards,Matt  If you plan to move back into the property in the not too distant future you might hold out to do a home equity loan or line of credit as an owner occupant so that you get decent terms and a workable LTV max. 

My commercial RE Investing strategy would be a mixture of buy and hold and brrrrAnd to add to the formulas I have heard of I would like to add break-even analysis on top of NPV

They will tell you what you can and can't do to.Certainly talk to a lender before exploring any entities or trusts as you will usually have to hold title in your name for financing.Once you understand what your borrowing options are, you can think about arrangements with your sister.