Running a detailed cost analysis for both options will help clarify which aligns better with your goals.

@Ashish Acharya A big part of my post is highlighting how specific details in local regulations can make it increasingly challenging to operate short-term rentals, even in towns where they’re technically permitted.

Can you go into detail about you ideas with creative financing or a partial refi?

And knowing a thing or 2, I'm gonna assume you are good at the details, and at managing paralegal team. 

Here is the thread I started a few months back detailing my experience with Growth Equity Group, Brett Immel, and their cronies.https://www.biggerpockets.com/...Subsequently, I've had dozens of investors come to me directly, many of them having phone conversations with me, stating how they lost most or all of their retirement funds.

Is this realtor providing you with the level of detail analytics that you need to make an informed decision?

She is a real estate agent but rents so no property to place a lien on.Need to know a couple of more details first: Is/was the mobile personal property or real property?

Here's a bit more in detail about how rates are calculated for DSCR loans:1.

Quote from @Patricia Anne Cawood: Can you give me more details about your deal first? 

There are a lot of options with a 6 unit building, and I agree without more details that it will be hard to offer any specific advice.