I don't think this is wise.HELOC's are a great tool if you use them correctly.

I highly recommend that you attend local REI networking groups and meetups to connect with fellow real estate investors and check out the forums, you can find discussions specific to your goals there and gain valuable insights.

The other pool of tenants: One is a couple relocating to area high income earnerOne is  interested in renting as a "personal care home for 4 residents"One roommates working in the area with the same company needing housing for next yearI just need some guidance. 

Either it's priced too high or you're not marketing aggressively enough. 

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.

Hi,I came across a high cash flow fund recently - Phoenix American Hospitality's REIT https://fourthoffering.phoenixamericanhospitality.com/.

Can you attract higher quality tenants?

As long as you're able to partner with a local manager you can trust, such as @Gabe Chase and @KiKi Wood, I would highly recommend investing here!

Hi Rebekah,I work for one of the largest STR management companies in the country and Branson is always a high performing market for us.

Make sure to utilize all the great tools BP has to offer, along with networking and joining local groups.