Hello all,I wanted to get some opinions on this, was at a meetup tonight playing cashflow game with others and I mentioned to someone how I've had such difficulties after loan 5, that I was thinking of buying my property with cash vs paying off one of my current loans, because they have 3%ish interest rates.... guy at my table mentioned that it would be smarter for me to invest time in calculating my perfect deduction amount and purchase the next property with that exact amount.

My wife is from Japan and all her friends and family want to buy brand new mansions or SFHs because interest rates are very very low.

Are the rents below market rate?

I'd be happy to share with you my experiences here in Charlotte and who I have works with.One thing to keep in mind is that you will get better rates and terms if you purchase in your own name.   

@Matt Friede, I also recommend Bank of Travelers Rest (try a personal meeting first) and SC Telco (they are a bit outdated in some ways, but gave us some great rates!)

Something to consider -- if you are renting around 90% your rates are probably too low.

One in particular mentions that when high LTV is available and debt rates are cheap he likes to load up on long term debt.

Great point, Thomas.There's about 60k equity in it right now and my mortgage rate is 3.8%I hate the thought of having that much equity tied up in it so it would be great to pull some out.Cash-out Refi sounds good but my rate would also jump up. - Small price to pay to have access to the equity.But a HELOC seems like a no-brainer, just as a safety net.

Larger down payment and higher interest rates would apply.

@Justin Verrillo You have good interest rate on 1st mortgage go for HELOC.