It sounds like you are looking to use Traditional IRA money to purchase a rental property?

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. 

I'm attaching pictures of the front and back lawn (it's pretty much all mud).

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.

I'm not interested in the negativity or back and forth mud-slinging, but as someone that thrives on having a structure, convenience and who likes real time feedback, I can absolutely recommend the program.

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.