@Samuel Metcalf- thanks   1) I would recomend getting a HELOC in place on your primary residence duplex  for  as much as  possible...this should be available for  free or a low  cost and the rate will be variable in the  8-11%  range ...prime rate +  margin of  1-3% ) ...the min payment is in interest only payment on outstanding balance   2)  use the heloc for the  remodeling  costs ...pay it down as  agressively as you can   3) on the  purchase of the investmenet  1 unit -  you are  allowed to put as little as 15%  of the price for your down payment ...the pricing you get for the loan will improve  as your down payment  grows so you might look at  75% /  80%  and  85%  ltv  options 

But you want to be fully in just 1 property "until" rates come back lower?

Hi James, Look at key economic indicators such as job growth, unemployment rates, GDP growth, and industry diversity.

Hometap claims "no interest" but if you look at cash now vs. percent equity they'd take in a future sale, the implied interest rate is something like 25%.Are there private investors out there who are interested in doing similar deals with better terms? 

Charge the tenants a higher rent rate and include utilities with their rent.

I believe I have two options.Property Info:Purchase Price: $365,000Current Loan: $329,000Interest Rate: 5.7%Mortgage:$1900PMI:$130Insurance:$157Taxes: $320Current Rent Left: $1200 (Market $1400)Current Rent Right: Owner Occupy (Market $1800)1.

Not recommended as you cannot transfer the mortgage, so it will stay in your name as the original borrower.

You would be transferring the IRA to a new custodian who specializes in this so there would be no tax consequence.

Amenities, nightly rates and occupancy.

many HML will call themselves private money lenders to give the illusion of cheaper rates and easier terms.Private money is just that individuals with funds to invest that are Private they dont hold themselves out as in the business of lending.normally this would be friends family or other high net individuals you may already know who want to do deals with you.