Traditional bank financing.

You'll have more flexibility with non-traditional lenders, traditional will all follow the same Fannie/Freddie guidelines.

All depends on the interest rate on the primary home and if fixed.

While short-term rentals in areas like Kissimmee, Florida, can pay for themselves and offer lifestyle benefits, the ROI typically doesn’t match what I see from my traditional portfolio of long-term rentals in North Texas.That said, short-term rentals can still be a great choice, especially if you're drawn to the area and the opportunity to combine personal use with investment income.

I bought it because it was supposed to be easier to keep up with than traditional, but I've had to rebalance the ph myself several times.  

These are designed for borrowers who can demonstrate financial strength without traditional income verification.

Like maybe I could pull enough out from heloc on primary residence to pay off debt and then rent out my primary and use the extra cash to payoff heloc and then do another heloc once the original one is paid off.

In both my seller financed deals the primary bank I was betting on backed out.

I understand the crime concerns, but why do you think traditional financing is risky?

I've also used traditional loans through regional banks and a few SBA loans.