They will handle the collection and distribution of payments, amortization, escrow accounts, and any tax documentation. 

I know there's seller finance and "B" lender that are good for the short term, but if a balloon payment is due say in 5 years, there's no guarantee that my DTI would be in a better place then I'd be stuck without funding. 

An interesting option that they can offer is interest only payments for 3-10 years.

I just want to find anything that is no or low down payment.

I have enough liquid money for the down payment for the hard money lender, but that'll leave me with zero cash for closing costs, realtor fees, etc.

Now that I am in position, I would like to place a mobile home to generate some passive income, but I don't want to use my savings for the down payment.

With $50k down and a 7% rate, the payment would be around $3300.In the Denver area, you can get $800-$1000/room.

Both of our properties have about 100k in equity in them so we were thinking about using getting a HELOC on the duplex rental property and use that money for the down payment on the next property.

Can anyone shed some light on what kind of down payment, terms and qualification requirements we would typically be looking at for an SBA or low down commercial loan?

I like to find owner finance deals and just finance the down payment for as many years as I can for cash flow.