Refi the free-and-clear property, and pay off as much debt as I can (being that I will still have an active HELOC, I was thinking I don't need to be as worried about holding cash, maybe only hold about 3 months of expenses as opposed to 6+ which is my normal comfort spot) and use the ensuing cash flow to continue making monthly payments until all debt is paid off except the mortgage.

.), as well as my connections I get at cost being a manager for a exterior restoration company.

BUT:I have rehab underway (BRRRR) on a three story brick property built in 1910 with a large scope of work; attic conversion to master bed/bath, plaster demo, some framing, new plumbing and electric, insulation, drywall throughout, new windows and some doors, minor exterior repairs and soffit covers, painting, kitchen/bathroom remodel and new flooring except for the first floor living/dining room hardwood that.I have a flexible budget and am putting a lot of sweat equity in as well but after the pandemic threw a 2.5 month wrench into my plans, I am on the hunt for time savings and cost efficiencies.Initially, the plan was to tile the floors in the kitchen, the old bathroom as well as the new master bathroom on the 3rd floor.

Most people I work with live in primary markets (as opposed to Birmingham, Atlanta, Indianapolis, Kansas City, Memphis, Little Rock, Jacksonville, Ohio, or other secondary or tertiary markets).

That being said I was up on a 20ft ladder painting the exterior of the house 71/2 months pregnant...

In my real life example, I was able to justify paying $125-$150 per month as opposed to doing what everyone else in my life is doing, which is going into massive debt with the expectation of no return.

Run an ad with photos of the existing interior and exterior, along with your asking price saying "will be available on xxx date."

However it was suggested we could use the room as a master bath since it shares a wall with the master bedroom and already has the water pipes in the walls.The exterior of the house is a little shabby but not the ugliest house on the block.

It also helps with the property’s appreciation over time.There are many different ways to add value, from exterior improvements like landscaping and painting, to complete unit upgrades like new kitchens and baths.

Further, the public was only provided 2 hours notice before this proposal was voted on in Committee.To learn more before responding, check out CAR's blog post on the topic here: https://chicagorealtor.com/take-action-oppose-the-proposed-amendments-to-rlto/To respond to the Call For Action (1-minute) click here: https://www.votervoice.net/ILRealtors/campaigns/74776/respond.Thanks for your support!