I have an LLC but why put Primary into a trust? 

Primary has around 300K equity, and different rental (has renter) only about 50k equity (about 70% LTV). 

Purchase price: $240,000 Cash invested: $30,000 Bought this 3/2/1 in June 2022 as my primary residence.

The primary problem is that building a single small unit is near highest development cost.  

@Denise Evans I have a question ...If a person files Chapter 13 bankruptcy with primary (homestead) house involved ..later surrenders house to the bank...the bank is now setting up foreclosure sale at court house steps..does this person still have right of redemption?

You cannot take out a loan to use as a down payment unless you take out a HELOC on your primary home or do a cash out refinance. 

Sale price: $325,000 Bought my first property 2020 for my primary residence and was able to purchase another property in 2024.Moved into the new property and converted my 2020 property into a rental.

One thing to note with FHA is that unless you are moving 100 miles away, you can not use departing primary rental income to qualify. 

So, if interest rates are a buyer’s primary roadblock, then I recommend negotiating a rate buydown at a seller’s expense or looking at new construction, where builders are offering rate reductions and other substantial incentives.What if I’m a seller?

I do have access to the following: - My primary with a 60k HELOC- A duplex with a 30k HELOC (taken some time ago...