One of the interesting things about the economy here is that it is in large part driven by four schools: Cornell, Ithaca College, SUNY Cortland, and Tompkins Cortland Community College - meaning that the market here stays relatively stable and since there are lots of non-permanent people, the rental market stays reasonably strong (even if you aren't doing student rentals).

We fell in love with Washington and cannot wait to become permanent residents!

So I would advise to take all the money out of your HELOC while you can and store it somewhere safe where your bank can't access it, but also where you can get an interest rate covering at least the HELOC interest.Maximum overfunded permanent life insurance (properly set up Whole Life or Index Universal Life policies) are excellent products to put your cashflow in.

If that is the case, that leaves us with higher inflation on a more permanent basis.

@Jesse AaronOne thought I have is that your Realtor is trying for grab the attention of cash buyers, because you moved the manufactured home and whether or not it’s on a permanent foundation, it won’t qualify for buyers using an FHA loan. 

In most cases permanently.

I believe our policy for an applicant with a permanent,  on-going subsidy is still to require income of 3x rent monthly, but reduce it by the amount of their subsidy.Say I rent one of my townhouses for $1200.

It normally isn't permanent financing.

Just because you don't live there permanently means you have to sell it

Some lenders will mark the file to make that a permanent addition and others will require the authorization each phone call.