My current occupancy rate is around 40%.Property Details:1,400 sq. ft. single-family home (3 bed, 2.5 bath)Weekend bookings are more frequent, with limited weekday staysWeekend rates: $150–$250/nightWeekday rates: $80–$100/nightAirbnb Listing: https://www.airbnb.com/h/vip-houstonWhat I've Done So Far:Created a brand-new Airbnb and booking.com listings to eliminate bad reviews from Airbnb and Booking.comHired a reliable cleaner ($150 per cleaning)Manually update pricing often on Airbnb (tried Pricelabs once and gave up when nothing improved within the month)Change my cover photo at least once a week or soListed the property on Airbnb, Vrbo, Booking.com, furnished finder, Zillow, and Facebook marketplaceScheduled handyman visits every six weeks for minor repairs and paint touch-upsI'd appreciate any feedback on the steps I've taken and suggestions on improving my listing and overall performance.

Some banks and lenders will calculate your Heloc payment based on the Max limit even if you only have a small portion used due to preventive risk. 

The $200k financing would serve as a purpose to be a downpayment, or do you want the $200k to be the top limit of the investment?

And I feel the most limited sympathy for it.

Nonetheless, I am not out to impugn anyone's intentions and I do understand (as Jay rightfully points out) that the self-employed (my situation for the past 20 years) especially run into times in their lives when conventional lending sources are of no use due to limited reportable income and other factors (such as when, for example, you retire in your 50's and begin to live off of your lines of credit, etc.). 

But if the OTA has a significant market share, there are limited options for the host.  

Initially looking for small MF properties, but inventory is limited and the good deals get snatched up quick, often cash buyers.

Certainly more options because you are no longer limited by imaginary boundaries of traffic and time.

One of the best hacks if you have limited cash is to buy a primary residence with up to 4 units.  

What is their federal lending limit?