Also some lenders allow the seller to hold a second position lien for the last 5%

I would second @Andrew Allen's idea.

My mother is the caregiver of a granddaughter and now my father, so she is also unable to work.

I bought it as my 'second home' took out a 7 year ARM at 3.25%.

P.s. going forward Im starting to look into building “ADU’s” then i can buy retail (with larger lot) and then “force” cashflow with a second smaller unit.  

I can rent it out for 1050 a month, after taxes/fees I can cashflow about $800 a monthI have a second town home I bought in 2009 for 30K, it's worth 75-80K now, I can rent it out for 900 a month, after taxes/fees I can cashflow about 600 a month.  

I have alot of equity in my primary house and have additional in a second home.

Immediately after that closing, there is a second closing where the property is sold to a new buyer, who brings their own funds to the table (B to C).

There are a couple of investment reasons not to do it, one you will reduce your return on investment and second, based on the opportunity value of cash, you are buying cash flow at a rate of $2 for ever $1 it generates.

The first couple months were hell, we had to evict the downstairs tenant, and redo some of the plumbing for the second floor bathroom.