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%.

Hello BP Community,I would like to bounce some ideas and get some input regarding whether I should: Remove or leave a wheelchair/ senior accessible bathtub?

.$243,750 - $215k => $28,750 MAX HELOC amountA total refinance would typically allow you to access 70-75% of the property value.

Nothing makes you lose more like a "bottom feeder" than someone who comes in lower just because.

Hi allIs there someone who is focused on investments in accessible houses?

If you had to choose, would you take higher leverage (less cash down) with a slightly higher rate, or lower rates with more money tied up?

I've built out a plan with a family member who is in lending who is going to be able to help us refinance our home, lower our monthly payment from what we currently have and reopen a new HELOC to tap into more equity we've built with improvements (bought our house for a steal years ago). 

[Source: Board of Governors of the Federal Reserve System (US) via FRED®]Assuming the spread returns to its pre-COVID range, and the 10-year in the low 4’s, my guess is that the 30-year mortgage rates will likely remain above 6%, though somewhat lower than today’s, for the rest of 2025.I have another consideration for investors who are waiting on rates to go down.

David ,  the sheriff sales tax sales and other auction type transaction do take cash on the spot in most states.. so I would think access to capital is or can be a Major issue for most starting out. 

With how much real estate prices have increased it is unlikely you will fully eliminate capital gains in excess of the $500K exemption (assuming married filing joint) but any improvement costs you have support for can be added to your homes basis will help lower the gain amount