You need to find a lender that does the mix use properties.

Likely below any HELOC lender's min loan, but not worth you to do it even if they let you as the 10k would not be enough to really do anything with. 

Hi all,I would love to connect with MTR investors in Kansas City, to network, learn about the market, lenders, contractors, etc. 

The HOA restrictions limit me to renting the house only twice per year, and the insurance cost for rentals shorter than six months is significantly higher ($12K-$14K) compared to rentals longer than six months ($4K).

Quote from @Varun Dalwadi: The houses in this area are going for 350 plus 3 room and 2.5 bathroom with 1400 square feet Have you really looked at true comparable?

They are only averaging estimates and not comparing similar properties/amenities. 2.

New rates are currently looking about 7%+I asked one lender about 2nd mortgages, with the hope of pulling just the equity out, but the rates seem to be 5 full points above the standard, so about 12% so that doesn’t let many deals work. 

Before you pull the down payment into cash it might be wise to have your financing lined up so that you know what the lender is expecting.

Your Lender My suggestion to find #2 & #4 would be to go to the top of this page and click on FIND AN AGENT & FIND A LENDER.

Understand the fees involved and calculate the total cost for an entire year of management so you can compare the different managers.