and what owed in the HELOC used to buy it? 

This is mostly gain experience and grow my net worth.

What’s the difference between a loan amount and a delinquency amount. 

And how accurate are the comps you’re getting from the CMA compared to other tools like PropStream or MLS?

@Brandon CroucierIf i refinance again wont the additional lender costs, fees and closing costs be more and add upI agree it's a declining interest rate environment but I don't see interest rates declining quickly.

The Louisville and Southern Indiana real estate markets have seen notable shifts this year.

Gutted out the entire inside and remodeled to ‘cottage modern’ style.

Gut it out until the end of January with this person and either a) play more hard ball about the vehicle and other stuff b) play it softer and just gut it out with them2.

Valid points and only time will tell.

If I narrowly look at ROE, does that simply ignore the upfront cash investment and just focus on my efficiency of current equity position?