WFHouston for the foreseeable future thanks to Covid and figured I’d continue building my investment portfolio here (bought my first property in NJ) since the market is way more familiar and favorable.

What is more favorable towards lenders?

I am desperately looking for a favor here.

But I am learning that especially in HCOL areas, going "small" may ensure repeatability and being able to move into a second, third, fourth...etc house hack.So, moving from a $725k house hack into a $600k house hack might not be viewed favorably by lenders, even if it allows me greater flexibility to at least break even with cash flow and expand.Can anyone corroborate this?

Even if the numbers are less favorable, if I would be able to recover any of my initial capital, while still owning a cash flowing property, wouldn’t that be better than leaving my capital in the deal? 

You could consider a commercial loan, but considering the less favorable terms, I doubt it's worth it.

The key to happiness with mobile home parks is to buy those that have favorable 1) infrastructure 2) density 3) economics 4) age of homes and 5) location (we call this I-D-E-A-L) -- and the correct sum of those equations yields what resembles a high-density subdivision, and not the "trailer park" that people always think of. 

True, and it did occur to me that 5.19% doesn't compare favorably to the long-run average of the stock market.

I don't know if using most of the equity in your personal residence during these times, but it is still a viable option if PML and HML don't work out in your favor.

You don't want a S Corp tax status or the spouse an employee since it "converts" the more tax favorable passive income to active income.If you want, direct message and we can arrange a time to chat if you think it will help.Good luck.