The tax credit is for primary residences and commercial.

If you occupy the property as your primary residence, you can  potentally do a HELOC or fixed second mortgage up to 90% CLTV.

@Dayana Castellon the only marketing that would make sense is marketing Airbnb & VRBO are NOT covering already.Maybe market directly to insurance companies looking for rentals for their clients needing temporary housing while their fire-damaged home is being repaired.Corporate travel departments might be another option.Hospitals with resident doctor programs.The challenge will be doing this marketing efficiently enough to make it worthwhile.

Investment Info:Single-family residence other investment.

most west coast states you cannot get a deficiency on a purchase money loan on a primary residence..

I have tried going through the conventional route of HELOC and Home Equity Loan for my primary residence.

Then I bought a bigger condo for our primary residence in 2022 for 275k with a conventional mortgage (5% down,1.5% APR).

-We are closing on a primary residence in a couple of weeks that has a cottage on it that we will begin short/mid term renting upon close. 

-is it a good time for a person with no savings and no experience to take out a HELOC or personal loan and buy a random property in a state they've never been to using 100% leverage because made up spreadsheet math assumes no vacancy or capex or repairs ever and rent growth of 9.2% a year until 2074? 

I would strongly recommend looking at the BiggerPockets lender finder since all those lenders are familiar with the investor mindset even if this is for a primary residence :)https://www.biggerpockets.com/business/finder/lenders