You're already in a cashflowing market, find that 3-4 unit and house hack it with 5% down conventional (borrow the other 95% LTV loan to value) and make sure the numbers work before you get into it.Even if they dont work while you're living in unit #4, you can hypothesize the proforma cashflows with your unit's income upon your vacating that unit after month 12.

Loans are non-recourse.https://www.biggerpockets.com/member-blogs/7993/73151-what-a...

Purchase price: $92,000 Cash invested: $6,000 I bought this property with an FHA loan.

You're the prize for the lender, just as much, if not more, than they are to you. lenders need to loan money for their business, but they need to loan it to responsible people that will pay them back.

We used Catalyst for a Hard Money Bridge loan right into a Conventional. 

My agent and lawyer and loan officer obviously are pushing to close fast. 

Given your situation, tapping into the equity through a HELOC could be a smart move, allowing you to access capital for new investments without selling off your current assets.That being said, considering your stable cash flow and existing portfolio, a DSCR loan could also be valuable.

Since you'll be living in one of the units, you can qualify for owner-occupied loans, which often have lower down payment requirements and interest rates compared to traditional investment loans​

Apparently I can’t count income from mobile home and income from storage units changes the type of loan and the property won’t cash flow with just the income from the single family.

It's far harder to qualify for conventional loans if you're a business owner or self-employed and that equals opportunity.When I look at doing a potential owner finance deal the most important thing for me is skin in the game.