I own an RM-1 property in Philadelphia that is currently being used as a duplex.

@Victor Nguyen If the deal pencils today with current interest rates, why would you not?

Current property manager appears to be unresponsive and also seems to lack work ethics.Looking for recommendations of reliable, professional and responsive property manager who manages in those areas.

I have a primary residence currently am open to making that a rental also.

So, they would refinance your current mortgage and then provide the 95% LTV HELOC.In my situation with the option they gave me it doesn't seem to be far off from my current mortgage, I'm currently with rocket mortgage w/ a 2.8% ARM and to refi with Lower (in order to get access to the HELOC) the new interest rate would be 4.1.

I am considering keeping my current personally owned home/farm and renting it as horse owner property. already completely set for 2-4 horses. my personal interest rate on the property is 2.6% and I don't want to loose it.

It's hard to find both, and the current market favors appreciation.

I'm currently a novice trying to break into the real estate industry in any form or fashion, and I'm willing to collaborate on joint ventures. 

I currently have an apartment building under contract that's in Canton,PA and I have been looking for lenders.

If I will refinance before the 5 year fixed period expires, without any penalties, I'm having a hard time understanding why I'd want to go forward with a fixed rate currently.