@Jessica Sudyn- thanks ...house hacking is a great  1st step ...1) you are wrong on the FHA mtg ins -  the  mtg ins is permanent so the only way to get  rid of it is to  refinance / pay off the loan ....FHA loans also have a 3.5% upfront mortgage insurance fee that is  required ....If you buy a  1 unit  proeprty / home  - I would reocmmend using a conventional loan and  putting as little as 3% down ....If you need a  rehab loan - there are these programs avaiable too ...good luck

But first, let me define financial freedom: it means that you are permanently off the daily worker treadmill.

@Hunter Fitch That's what you will have to find out, if it is permanent or not. 

Right now I’m in the process of closing on a SFH, where I used my HELOC for the down payment and obtained permanent financing for the balance.

@Edward Brown I may have missed this....but is this for your permanent, 30 year fixed rate loan?  

Some will allow a tiny home only if its on a permanent foundation so they can be taxed. 

I revisit it after the home is completed and the six-month mark passes to see if a more permanent loan makes sense.

Mortgages are fixed Rates but have higher costsWhat this means is that a Line of Credit is NOT designed to be a permanent financing solution.

FHA Loans can cover a 2 to 4 unit rental property as long as you can prove that one of the units will be your permanent residence, you intend to live in it for the majority of calendar year and meet all other requirements.

Even if the sewer is a few thousand more, I'd go with that option as it is permanent.