I plan to offer owner financing to others that can't get a loan.

Unless the property needs work and the seller is desperate, you're not going to find a seller willing to do any sort of seller financing on their end. 

What are the benefits of SUB 2 financing a property?

Just keep in mind that using that emergency fund to buy your next property and having tapped a HELOC already may leave you in a bad spot if you run into a similar problem again.Also, I’m not 100% sure, but I have heard that personal loans don’t your credit more so than other types of debt so be sure you look into that if you go the personal loans route and then planned to finance your next purchase soon after.

Most banks/credit unions have clauses that prohibit borrowed down payment funds or seconds on the property. 

Their Goal - sell us this property seller finance. 

Two separate property appraisers (at the direction of the lender) were sent out to appraise, and neither was willing to appraise it as a "residence", and thus financing fell through (conventional primary loan).

We will be moving but I like to owner finance what is left on the mortgage at a higher interest rate because I do not need to pay it off to qualify for our next home. 

Quote from @Guillermo Perez: Does anyone have experience with seller finance?

.: Someone asked for more detail on Creative Finance.