From what you've said about not wanting to drop 30% of your income on primary residence it sounds as if you have made your decision

I just used Sound Credit Union on a First Lien Heloc for my primary residence. 

To further clarify, this isn’t a line of credit in traditional sense.

That was my primary reason I want to visit the area this weekend.

Traditionally lease options do not create equitable title, while a land contract does.

We do 95% Lease Purchase or things on terms so cashflow is not our primary goal. 

It lot easier to get on primary residence in Texas. 

if I rented my primary residence it would take much longer!

Since it is not my primary highest LTV I could get was 75% and since it is considered multi-family only 70%...I wanted 80%.

The only deal I am working on is currently my primary residence, which I am planning on refinancing and turning into a rental as we will be purchasing a slightly bigger home for our growing family.I just recently stumbled upon BP recently and am so glad I did.