I believe there are high interest bearing amounts that are similar to CD rates but they give you the flexibility of having all the funds available to you immediately.

Every time I inquired about commercial loans on my SFR I got quoted much higher rates and loans that were amortized over 30 years but always callable every 5-10 years.

The duplex was expensive and with rates as high as they are, I was not able to save money house hacking.

Even if you purchased your home at the very tip-top of the market before they dropped by 19%, if you would have simply paid your mortgage payments, mowed your yard, and stayed in the house for 6 years (you had to live somewhere during that time), you would have made money on your home...and that was the worst drop recorded.

I have a vacation rental which it’s the off season and I accept rents at a lower rate.

Therefore, even if I obtain a good value for the surface yield, it's possible that the Net Yield is unexpectedly low due to unexpected expenses.In Japan, the ideal yield varies depending on whether the property is new or used, the bank's interest rate at the time, and the real estate market conditions, but if the real yield on any property is 10% or more, the property is reasonably profitable and the cash flow is sufficient in many cases.

I don't think I would advise anyone do something or not do something because it might be a "red flag" - yes the IRS has plenty of red flags, but the audit rate on most of these issues is so comically low, that as long as you have a legitimate position - take it, don't not do it just because it might slightly increase your chances of an audit. 

I've heard of drilling small holes at the top of the exterior window pane to allow trapped moisture to escape, but I've never tried it.

The Stessa rates are attractive enough that I would let it accumulate in their high yeild account until I invest in something.

It is really important for us to keep the units booked to cover the monthly overhead (higher monthly rates to cover the 4th unit not being rented).