cash buy from heloc or finance?

[Alex Shaughnessy]

Hello BP. I have a deal im looking at from a turnkey dealer and want some advice on which approach to take.

Traditional financing w/ 20% down w/ my own money.

Traditional financing using my mom's HELOC, use cash flow to pay down loan and her Heloc

My mom's HELOC for entire purchase to get a cash "discount" of 2-3k, then use cash flow to pay down heloc or refinance out of it after seasoning then repeat.

I know it will depend of the person, know that I am not a debt snowballer and don't mind high leverage. Thank you