Sometimes a fresh perspective and the right contacts can turn things around.Don't let the traditional lending approach get you down.

If you finance the second property with a traditional loan, you can pay back your HELOC and use it again. 

Traditional 30-yr mortgage with 20% down.

Gets deeper from there, but that's the high-level.My goals included being work-optional well before the traditional retirement ages tied to retirement accounts, so therefore the places I put my money needed to afford more flexibility. 

Unlike traditional rental properties, where tenants can easily move out, mobile homes are harder to relocate.

If this is your first investment altogether, I'd opt for a more traditional, simpler purchase. 

You could rent out your current unit and buy another house hack, or even convert the whole property into a traditional rental.

Come and go because I always based my dreams of real estate off of traditional financing.

I wondered if SF route might allow us to secure better terms at maybe a 4% interest rate for a few years on the funds not rolled into current $150k potentially assumable mortgage -- and in a few years we could roll into a traditional mortgage. 

Instead of leaving equity tied up in the property, you can refinance and put that money to work on your next investment.Advantages:Leverage: You’re using borrowed money to increase your purchasing power.Long-term Wealth: By holding rental properties, you benefit from appreciation, passive income, and tax advantages.Scalability: The ability to keep reinvesting capital makes it easier to scale compared to traditional buy-and-hold methods.Is BRRR Right for You?