Using a HELOC can provide you with the necessary capital at a lower interest rate to fund your next projects without leaning too heavily on hard money lenders, which can eat into your profits.Here are a some actors that you would want to consider:1.

To provide our buyers the greatest probability for success, we cast a wide net to evaluate ALL vacation rental prospects and narrow it down to the handful that meet the search criteria. 

They provide all the solutions one could ask. 

Have you reached out to any social service organizations that might be able to provide tenants to your property?

Consult a CPA to ensure compliance with tax regulations and explore strategies that align with your goals, such as providing for your mom while managing tax implications effectively.This post does not create a CPA-Client relationship.

Both of you provided important information.It's true @Jason Wray that Florida is always a hotspot.

Multifamily properties provide the advantage of multiple income streams, which can help offset vacancies and reduce risk.

I have 0 experience ground up construction loan program nationwide that does NOT require GC to sign anything, only provide proof of 3 C/O's (certificate of occupancy) over the last year I.e. built received occupancy permission now unit is on market or habitable. 700+ FICO I can get you 80%LTC loan to cost on the project on ground up construction for 1-4 units.

IMO cash flow provides a way to mitigate the risk of unexpected expenses and loss of income due to vacancies.

Contractors, unless you have a working relationship with them, normally do not want you bouncing ideas off them.Understand what their hourly rate is, have a discussion with them that you are okay with paying them an hourly rate if they walk the property with you and provide you a scope of work along with an explanation of what you can/can't get away with in regards to improvements.ask them if you go with them, if they can credit you the amount that you paid.Once you develop a working relationship with a few contractors, you can bounce ideas off them and expect quality responses.I do not invest in New York.Best of luck.