I have a high credit score, good income, and money in the bank, but I have been having a difficult time finding a DSCR lender I feel like I can trust.

Is there any guidance on how to save the taxes?

You need money; the fastest way to do that is to start a business or get another job.

So the landlord could charge (say) 3.5% and choose to make money on accepting cards… but rentec direct’s charge 2.95%.  

This can be a temporary solution until you find more favorable financing options.Private Lenders and Hard Money Loans:Alternative Financing: Private lenders and hard money lenders may be more willing to offer loans secured by your mobile home portfolio.

ADOR has computers already that are very capable of keeping track of money and refunding money.

You can make or lose a pile of money in any of those.

And it might be in better condition and save you a bundle on future capex. 3.)

I am 16 months in and proud of the success I have had but I feel like It might be time to focus on using my money wiser if at all possible.  

I was thinking of using 90k of my own savings and 40k heloc to buy larger unit.