If the comment comes from someone who doesn't know what they're talking about, maybe you just ignore them and move on (best choice, imo).

I prefer face to face, and you're looking for a preapproval, with a DU report which will lend more credence to potential sellers.

With all the confusion with the SAFE ACT I'm looking into whether landlording a higher end manufactured home would be a safer choice.

I would prefer to keep things a little more local just to keep a better eye on the property management company.

This is my personal preference, and there are MANY ways to do this.

Things seem to be going so well and I don't want to proceed with this situation and it need up badly b/c of a poor choice on my part.

But if you're choices is keeping it as a crummy rental vs. selling, sell and be done with it.Fixing and selling vs. selling as-is is trickier.

May qualify for buyer`s choice home warranty.

My question is really more geared towards whether or not the HML would be a good choice if I couldn't qualify for a conventional loan due to two mortgages already.

The velocity of money has nothing to do with the use of capital or your opportunity costs, use of funds, what else would you do with the money, from that you can see if paying down the debt is the better choice. :)