The lakes, parks, and smaller mountain areas are growing in national popularity year over year.

When you said the two homes in the mountains are high maintenance, are you self managing those?

@Tyler Condon, it isn't proper but people do make side deals where the parties exchange money separate of the closing but at the closing table.

Looking into the north Georgia mountain area and found an article posted mentioning restricting air bnb’s in the area.

@Ed Hoffman  actually, you can transfer it via Quit Claim right there at the closing table before you leave the title company.

I feel like I need to have something to bring to table to also help mentor.

(with the DSCR loan to purchase moving faster ~ 2 weeks, it's conceivable we may be at the closing table faster than the HELOC closes).We are considering other options for the downpayment (approx $25K);   and then replenishing the funds with the HELOC cash once it hits.  

Best wishes there was that landslide up in Washington state that killed I dont know how many folks whole mountain side decided to let loose..

The illegal in-law units/ADUs are somewhat common in the Bay Area - many people with paid off properties are collecting under the table rent money without reporting it to the IRS.

In our county (in Ohio) they don't do round table close so we might purchase a property and never meet the seller.