Many banks won't do a traditional HELOC on an investment property, but they will do a Line of Credit, usually at 75-80% LTV, which typically renew yearly.

Hai,Bigger pockets has lots on lending options for commercial and multifamily space.

Termination right if STR no longer allowed, profit sharing, purchase option or ROFR, length of lease and lease options, how to handle major repairs, who pays initial investment in upgrading property, etc.P.S., this is also similar to co-working locations where the operator signs a master lease with the building owner and then rents out cubicles to individual customers.

In RE there are so many options that are easier and more likely to succeed.  

Any options, especially green ones, on construction cost savings.

I would also research closing cost and down payment assistance options, the more equity in the house you want to purchase, the more likely the bank is to approve you.

Agreed on the in-kind not being the best way to fly, but it was necessary for at least a couple of years - RMD's exceeded rental income and selling wasn't an option. 

Considering your goal of house hacking a duplex, while FHA loans are common for first-timers, there are alternative financing options to explore:Conventional Loans: Need more credit and down payment, but offer flexibility. 203K Loans: Ideal for fixer-upper duplexes, bundling purchase and renovation costs.VA Loans: Great for vets—no down payment, competitive rates, and no mortgage insurance.Portfolio Loans: Private lenders, good for unconventional income or credit histories.Hard Money Loans: Quick, high-interest, good for investments or major renovations.With $30,000, mix it up—use it for a down payment, maybe pair with a conventional or FHA loan.

4 units are great because they give you the option to rent some units out while you're working on fixing the other ones up and there is a lot of rental demand in Cleveland and surrounding neighborhoods right now, so it's a great time to get in the market!  

Destination parks are typically in a desirable location where people want to visit and vacation.