I would have a house already but that is used as rental and I bought it using private lenders.

Some investors use conventional loans, while others use private lenders, hard money loans, or partnerships.

Do some smaller dollar private lendingA property is too capital intensive and $20k will not get you very far.You also did not describe what level of risk you want to take, so that is something also to take into consideration when evaluating where to invest.

I see some conservative areas here who would traditionally support private property rights coming down heavy against STRs.

Another option would be working with private lenders to see if they're open to your idea should you need additional funding. 

You can log into their daily 5 hours of zoom calls to hear them answering a variety of questions as continual learning and ask private chat questions on your specific needs too. 

This is a 'nicer' mobile home, double wide, 1998, shaped / looks more like a 'house', attached garage, on a very beautiful private lot. 

Several options you can explore to get the down payment capital: Solo401k; HELOC on personal residence or from equity of the SFR; Cash Value Life Insurance Policy; Business Credit; Private Lenders, to name a few.

We used $100k of private money and the rest was personal cash.

Facebook is the last place you want to find private money. whats unfortunate is real estate professionals are still advertising to us newbies Facebook is the place to find the lender.Who said that?