Understood.

I seem to recall there was stuff like a 24 hour on site manager required at all complexes (crazy and would put most small folks out of business) and a no income source rule that would force all but the higher end rentals into Section 8 whether they even understood it or were aiming for it (classic big penalty, stigma and lawsuit for violations).....I mentioned the small time folks may not all be interested in Section 8 or set up to participate and handle that market.Oddly, the assembly's goal was more housing, better managed housing, more affordable housing.

I feel that owner financing is one of the least understood topics out there. 

If I had read your post when I was 22 I don't think I would have even understood it, so good for you for being so on top of your financial situation.Some things to think about:1.

@Tom Gimer I understood your question and I think it would be an interesting discussion. 

@Colby Fuller Yes you understood things correctly.

Correct me if I understood your suggestion wrong .. 1) Refinance the TH, which I currently reside in (primary home with 4.75) to lower the interest rate. 2 )  Do HELOC on the first SFH  ... here when I do HELOC, am I able to switch it to 30 year amortization same time (I need to refinance this place as well to increase the cash flow) or I have to do cash out refinance instead of HELOC?

The only similarity I see is BitCoin was an investment vehicle which until recently was the domain of the professionals who understood it well but now its become a mass market casino where everyone with $200 in his pocket thinks he can partake and make it big.

She understood what I was looking for and took good care of me through the whole process. 

We ended up getting a wonderful family in there 2 weeks later, refunded her the remaining portion, and she understood!