David,You can also use a personal loan which is generally easier and goes up to $50K. 

Then you have a person in that market if you get an investor deal.

It is in my opinion, the softest point of entry.

I personally use a broker for my properties so they can shop around, unlike Allstate.

They have no income, so they can't refi or HELOC to use their equity for their personal expense.

At 65 personally I'd want debt paid down or gone but it's not bad to add some more properties.

It has a very nice bath tub that is of high importance to us personally.

I'm looking to sell my furniture to one person instead of 130+ items to 130+ people. 

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House-hacking today often has to rely on much greater lifestyle sacrifice than what I personally did 10 years ago, and requires strategies that would make me uncomfortable like rent by the room, or using local laws that allow Short-Term rental only for owner-occupants.