We use a construction loan to build a 4bed 4 bath cabin.

My plan is to use a low down payment conventional loan, and with the factors you mentioned, it’ll likely be tough to find a property that breaks even.

For my personal situation it wasn't worth it.

Another pro for a HELOC is not having to meet a HML's requirements for a loan (insurance, draw schedules etc....)

And could even get a second home loan if doing traditional financing.

A Solo 401(k) may be advantageous for self-employed individuals, offering the potential for participant loans, higher contributions, and no custodian fees, as well as higher contribution limits and the option for tax-deferred or Roth contributions.This post does not create a CPA-Client relationship.

Then rent the bigger home out using a property manager, allowing her to possibly cash flow and maintain that asset and let it continue to grow in value.Encourage her to consult with a CPA or tax attorney to explore the best strategy tailored to her situation.

I'm learning more about loans and such as I used the VA.

So if I understand, you would get a loan the normal way and then the bank trust is an extra fee that comes along with owning the property in Mexico?

Mfh is an unfair game because you need a partner to help you with the experience question when getting a commercial loan.