Heloc rates are terrible right now even if you have a low first mortgage the blended rate is usually higher than a simple refinance. 

Even though your first year was very low for income, you could still see if you qualify when averaging across the two years of tax returns.

The low income population the drafters are trying to help are already, in large, being given 60 day notices as most utilize the AK sect 8 voucher system.

I originally posted on reddit saying I had 20k cash to my name but very very low expenses and a high risk tolerance.

But I also don't agree that Leander and Cedar park are the best for instant cash flow, you should look in Killeen where the price point is low, and has a constant influx of renters coming because of Fort Hood. 

Hosts often make the mistake of using low-quality photos or vague descriptions.

I know some investors who invest in low end rentals will just tell their contractors "make it rent ready," or whatever. 

The home i live in is a low interest loan and i only owe another 40k on it, will be paid off within 4 years.

I watch for the deals that Lowes runs.

Park most of it in a 4.5% saving account right now, and then I'd take one of two tracks.STR/Vacation rentalTake some of it and buy a nice vacation rental/STR in a mid-size market (like maybe not here in Colorado where you're looking at $100k outlay on the low end).