@Dana FurbySacramento is a great market to potentially flip.

Finding a potential lot won’t be hard but getting a local municipality to give you the green light to build an MHP is going to be next to impossible.

All major flippers in town have heavily compressed ARV to accommodate for the potential of the downward slide to continue.

When they do HML on OO, they want very low risk.  

This lets your HSA grow, and since qualified withdrawals are tax-free, putting more aggressive investments in an HSA can pay off in the long run (similar to the “put your risk in Roth” idea).4.Rollovers & Debit CardsMost brokerage HSAs come with a debit card, so spending isn’t too hard if you ever need to.

Quote from @Michell Chase: I am working with a hard lender on a purchase/reno and they require a builders risk policy even though 1 unit of the 3/4 will have a tenant.  

The reason is the increase in rents wasn't significant enough to justify the risk of vacancy.

I completely agree with @Ashish Acharya's points about the cost-effectiveness of a HELOC and the potential credit implications if it’s secured by your primary residence.

As Sean above alluded to- never pay a seller for your future hard work, risk and stress. 

It all really depends on your appetite for risk.