Loan options for a newbie.

[Louis Hamric]

So I'm still new here. And I'm trying to understand what my options are for loans. I have a home that I am currently paying off. I should be done in 3 years. Plus I inherited a home I rent that used a HELOC to pay off my brother for 85k...(35k from my money and 50k from Heloc. ) I make $1450 on rent. I still have a 401k worth 78k. I have a credit score of 745. I still have 35k left to borrow from Heloc. I make around 75k a year at same job for 10 years.

I was planning on buying a property using stock cash. But the stock I wanted to use crashed. So no cash.

Is my only option to use hard money lenders? Or would I qualify for another conventional loan? What is the best option for me if I want to buy a 75k home with up to 25k in expenses to. Looking to do a sober living. Additionally I would like to budget an additional 29k for revolving expenses (6k marketing, 1k for maintenance, 12k for property manager on commission structure. They get paid if that if fully occupied, 15k for ins, 3k tax, 1800 for wifi, 4800 for utilities). Would love some ideas.