Hello Ralph,Yes you can used a HELOC from another property as a down payment for a new one, then get traditional financing on the remaining 100K. 

However, I am unfamiliar with any lenders having traditional mortgage options for anything with a VIN number such as a trailer.

Hey @Brandon Toron,Given your plan to turn the property into a short-term rental (STR), you have a few creative ways to push closer to that 90% cash-out goal, even if traditional lenders shy away from it:1. 

There are not traditional DSCR lenders that would do that.

Traditional 30 year fixed mortgage How did you add value to the deal?

I do not have a traditional W2 job so I can't pursue the typical conventional loan or a FHA since I don't have income (hence the DSCR route).However, I've seen that most DSCR lenders do not lend if the loan amount is less than $100K.

Investing in a mortgage fund should not have tax implications for your Roth IRA since the investment is passive. 

What would be my best approach, I assume find a private lender and work out some deal with them.All questions and answers will help thank you. private lender would be one option - also can you get traditional financing from a bank? 

Yes, 401(k) plans, IRAs, SEP-IRAs and all other kinds of retirement plans are still the backbone of your wealth accumulation, especially if they are self-directed.

She has some stock (maybe 50k), some retirement IRA of around 100k which I believe she has started to take and then maybe 20k in her savings account.