So if you are chicken little like me most of my investments outside of RE is in Gold, with a tiny % in BTC (< 1%).

I have seen a few tiny home rural STRs that are really tricky to finance, even with a DSCR loan. 

We only have a tiny house as of now, but the infrastructure in place for a 5 bedroom dwelling.

Most people that I talk to about it give me strange looks when I tell them that we own rental properties but basically live in a tiny house (400sq ft RV) ourselves.Eventually, we'll go back to having our own brick and mortar house, but this season is actually pretty fun for us and we've really been enjoying it.

Tiny homes are going to be a different clientele...

Wholesaler deals are better but the properties are tiny or the condition is so poor you have to flip it to make any money. 

Aside from the responses above regarding the bank likely requiring the 20% funds to be yours, good luck finding any private lender willing to take a second position note on a 100% LTV for any %, let alone a tiny 3%.Now, banks do, at times, allow seller carried back seconds, but unlikely with no skin in the game from the borrower.

It's a tiny yard. 

(I bought it for the land with intentions of removing the trailer and building tiny homes on it to air bnb) I understood that I was responsible for any back bills or liens associated with the properties, I was ok with that.

I've heard the same feedback from someone w/multiple tiny home airbnbs in Suches.