Most house hacks are more of a break-even situation when you find a "good" one, and you are mostly looking at the longer-term benefits of real estate like appreciation, depreciation and debt pay down.

Sometimes it’s easier (and cheaper) to tap business financing than personal property debt, depending on the situation.In short — yes, you can access that equity without refinancing the 3.25%.

Dave Ramsey offers advice for working families who struggle with credit card debt.

Our job is to find ways to damage the deal by stress test occupancy rates and exit cap rates to ensure we can cover our debt service, even in challenging scenarios.Underwriting deals involves different stages, and I recommend using a model or spreadsheet to streamline the process.

This massive wave of debt is creating unprecedented refinance opportunities across key sectors: $957 billion (22%) in Industrial assets – think manufacturing and logistics warehouses 24% in Office Spaces 35% in Hospitality For savvy investors and commercial real estate professionals, this moment presents a rare window to reposition portfolios, uncover under-leveraged assets, and match the right buyers to the right opportunities—before the market adjusts.Regards,Crystal 

The best assets (A+), don't cover their debt service, i.e. the 3m house that rents for 10k a month.  

Settlement of debt?

Thus, the Fed has tremendous control over short-term debt (aka the short end of the Yield Curve) and no direct control over long-term debt (aka the long end of the Yield Curve).

The size loans you are looking at are likely too small for agency debt so you would be looking to banks and credit unions anyway. 

The right tax planning can preserve more of your rental income, accelerate wealth building, and provide flexibility for future market shifts.Tax-Optimized Strategy:Your low-debt, high-cash-flow model is solid, but moderate leverage could speed up adding the 4 new units.With no W-2, you can likely qualify for REPS, letting depreciation offset all income (track hours carefully — OBBA tightened enforcement).Bonus depreciation is 100% in 2025, a cost seg on each build could front-load in deductions.Capitalize construction costs from your company to boost depreciable basis.Keep rentals in one LLC and your construction company as an S-Corp to reduce self-employment tax and preserve QBI deduction.Watch property tax reassessment and appeal if needed.Plan for depreciation recapture on sale; 1031 rules now have stricter timelines under OBBA.This post does not create a CPA-Client relationship.