A Home Equity Loan (HEL) can be a solid option, especially if you want to:Avoid resetting your first mortgage at today’s higher ratesAccess a fixed lump sum with predictable paymentsKeep your original loan terms intactBut here are a few strategic alternatives to consider, depending on your goals:Home Equity line of credit (HELOC)Why Consider It: More flexible than a HEL — you only pay interest on what you use.Great for: Investors wanting to fund renovations, down payments, or flip/resell timelines.Heads-up: Can be variable rate and might be harder to get on investment properties (some banks limit HELOCs to primary residences, though portfolio lenders or credit unions may offer options).Cross-CollateralizationWhy Consider It: If you're buying another property, some lenders will let you pledge the equity in your current property instead of bringing cash to close.Great for: Preserving liquidity and scaling your portfolio without touching your current mortgage or taking on a new monthly payment.DSCR Cash-Out (If you reconsider Refi later)Why Consider It: If cash flow is strong, DSCR lenders will base the loan on rental income, not your personal income.Great for: Investors wanting to tap equity and don’t mind swapping their first loan (say, if rates come down later).A Strategic Tip:Some investors use a combo of a HELOC + BRRRR — pulling equity now, buying a value-add deal, then refinancing once the project is stabilized.

I would love to hear how the resell went vs. your initial predictions and analysis.  

These changes have led to a far more stable and predictable financial outcomes for their business.

Another strange item is that it is predicting ADRs that are $30-50 higher for weeknights in shoulder season months in 2026.

I've been having a hard time coming across any data on this (understandably - who can predict a crisis and when people will need housing...), but I was curious what the real-world experiences have been.The property in question is a single-family home in Memphis (5BR/2BA), and we’re weighing insurance housing against standard long-term rental or mid-term corporate stays.Any real-world numbers, averages, or lessons would be hugely appreciated.

Some cool benefits include their Lease Indiciation Tool (helps predict the likelihood of a tenant renewing the lease giving you the chance to renew early and/or increase monthly rent if you know someone wants to renew), Expense Tracking, Tenant Communication (via their app), Maintenance Requests, Tenant Payments, and more.

No one can predict the future, but real estate prices and construction costs don’t move so fast that you can’t make educated estimates.We really do use the 70% rule-of-thumb, but for screening only -- and it works.

Some cool benefits include their Lease Indiciation Tool (helps predict the likelihood of a tenant renewing the lease giving you the chance to renew early and/or increase monthly rent if you know someone wants to renew), Expense Tracking, Tenant Communication (via their app), Maintenance Requests, Tenant Payments, and more.

-Aging housing stock means more CapEx risk - and you don’t want your first OOS deal turning into a construction project.F-lat appreciation and slower job/population growth than other markets.In short, it’s a tougher state to operate in remotely, especially if you're relying on leverage and want predictable performance.Stronger Alternatives in the Midwest & Southeast:If you're looking for good cash flow, appreciation upside, DSCR-friendly lending, and easier management from afar, here are some markets worth a closer look:Midwest:-Akron & Canton, OH – Affordable entry points, solid cash flow, and increasingly popular with out-of-state investors.

I predict the market will be flooded with these types of listings by the end of August, with things getting really ugly as the end of year approaches.