Too little information for us to be helpful.Questions would include:What is the rate of return on your stock market account?

I can borrow against my portfolio at about half the rate that I could borrow from a bank for.2) They think 2 dimensionally, focusing only on the here and now.

My interest rate on the home I pulled the HELOC from is 2.75%, so I don’t want to refinance it because I won’t get that rate again and I would like to avoid my mortgage increasing in both properties if possible.

Let's also take into account every 7-15 years, if you're an American, you'll face a recession followed by an interest rate cut.

Sustained maintenance costs that are higher than anticipated increased occupancy and nightly rates.

I considered rezoning to commercial and selling to a developer, but as I understand it the city is currently very reluctant to approve these kinds of requests and commercial development is very slow because of high interest rates.

Also, the account grows at half of the rate while the money is out.

That is 90% of the deal right there/ Youll have better rates and more opportunities with at least 90 day seasoning.

Don't expect a high success rate.

The rental comps would bring in $1200 - $1500 profit per month (the fixed interest rate is very low).