You'd be borrowing a slightly higher amount but your monthly debt service could drop by a few $100s. i.e.

To be fair however, I'm looking for permanent debt on a mobile home park I own in which the trailers are also included in what I own.

So if someone tells you, it does not matter about liens behind you - it does.There’s one more ; the borrower has increased debt service and when it either turns negative or leaves nothing “in their pocket” they may lose interest in the property, decide to stop paying all mortgages, and put whatever income they can into their pocket until they lose the property to foreclosure or one of the lenders obtains a court order prohibiting such.   

With your income and plan to pay off student debt, you’re in a strong position.

I can put a combination lock on it but wonder if that will satisfy his requirements?

Essentially there are investors out there that can build a large enough portfolio with little debt that can cash flow enough for a great life.If you want to scale to many properties then you will want to consider leveraging your existing properties.

Technically, you're using equity which is better to pay off in debt so restructuring could be good, but you need to really look at the returns.

Or is qualification your main preference 1-4 unit fha conventional loans will qualify off DEBT to INCOME or DTI while commercial portfolio loans will qualify off DSCR or debt coverage service ratio (this assume you’re not going to live there if you’re going to a credit union).So you asked a loaded questioned but I gave you some questions/answers to think about if you could provide more information perhaps more commentary can be added further.

Whether it's real estate investing or running a small business or a combination of both, I just know I want my income and financial stability to stop being reliant on a boss or corporate entity.I've got a couple of interests that I'm flexible on. - Long term residential rentals: Primary interest to start building.  

@John Davey With an AGI over $150,000, all rental income and losses are bundled together and cannot offset ordinary income due to Passive Activity Loss (PAL) rules.In your example, the combined $3,000 net loss (from rentals 1, 2, and 3) is carried forward since your AGI is above the threshold.