I've been at this a while and have over 70% equity in my combined portfolio, and I'm over 50 years of age, so I don't look at creative financing options. 

Utah County has the best new construction options in the state when it comes to real estate investing.I own properties in Utah, Salt Lake, Wasatch, Sanpete, Millard, and Sevier counties.

Plus, many of the properties here are older and not exactly cheap.My other option is Tucson, AZ, where I’m originally from.

There a ton of great DSCR options you can find on the Lenders tab at the top of the page, or connect with an experienced broker who can shop all the best lenders for you and educate you on the best options out there.

VRBO of course has no co-hosting option.

Quote from @Patricia Steiner: There are several lenders who offer low/no closing cost options for first time homebuyers.

There are a few options for platforms that an agent should be able to market your property to get it in front of the right type of buyers who are looking for assumable loans.

any suggestions on how I should compare these 2 options?

@Bien Nguyen I'd be happy to discuss options with you in the Murrells Inlet (Garden City Beach) area. 

I can get prime-0.51% on a HELOC but I don't love the risk to my monthly payments if rates rise - that is why I like the fixed second mortgage option.