Can I advertise here on BP or is this going to get me banned?

I have some time now if you'd like to hop on a call

If not, you may not even be able to finance this on a conventional loan.

Lowe's just came out with their biggest appliance sale of the year- up to 40% off. And if you join Lowe's Pros, you'll get an additional discount (it's free to join). I believe that the sale goes through February 12th...

Not really sure how to go about financing but we're planning on having a down payment at or slightly above $100,000 and don't want to pay more than $3100ish per month. 

If the price was right on Turn-key maybe, but probably more of the fixer-upper that can be leveraged later on for additional property or sold for a nice profit. 

If you aren't planning on ducting, then mini splits can be the way to go.

Cities and communities are also cracking down on people using homes for this.

Would a HELOC or home equity loan on my personal home be a good idea to fund this?  

.- at year 7 if value appreciated a lot, can i do a HELOC on it and use that HELOC to pay off the balloon - probably not due to lien being secondary etc on helocYes on the HELOC, but it would probably be easier just to refi and pay off the seller, and cash out more money too.Hope that helps and good luck!