I do anticipate more refinances this coming year since rates are looking favorable and so many balloon notes that have been on extension after extension will eventually need to be paid off. 

Was able to get an offer from a broker for a fixed rate HELOC at 8.4% for 120k over 20 years.

I have a side by side duplex I have been house hacking for the last 4 years and I am unsure if I should keep it or sell it.

I bought a property that I was told was empty for 1 year, when I suspect it was empty for 4 years actually. 

Average for the 2 past years is roughly 9k monthly income.

Basically ~50 years including my mom’s rental without an eviction.   

Also, do not compare costs over a 30 yr period - very few people keep the same mortgage for 30 years. 5-10 years is more realistic.- Overlays - some lenders may have more restrictive overlays than Conventional guidelines call for.

You would have to get a relatively short term loan (5 years or variable) to buy the property and fix it up.

The property is equipped with modern amenities including forced air heating and central air conditioning, ensuring year-round comfort for tenants.

I predicted a 20 to 30 percent correction in prices this year, and I was dead wrong.It appears that investors are continuing to come in for the long haul, with the knowledge that positive cash flow isn't realistic in the early years of ownership.