I currently own two homes, my primary residence in Texas and a rental property in Colorado which holds roughly 70k in equity.

I'm in the process of finalizing a HELOC on my primary home. 

The word missing from each of your examples is eventually.Sensible businesses do not jump to the threat of temination  as a first, primary or only option.

You moved into a rental and converted it into your primary residence.  

Its no longer my primary farm area but there are still a couple deals id like to buy or I can try to connect you with who might be a good fit if you get a deal etc as I know a couple park owners who'd probably want some more deals up there. 

I plan on living in the home as a primary resident and renting the garage apartment out to the current tenant that is paying 650 for rent currently.

Because of this, it's likely that you're going to have to bring more cash to the table and/or maybe pay a higher interest rate (because traditional banks might not touch it).Here is my logic on the costs based on your posts.

I have a little over 100k to get started doing the BRRRR strategy in the markets of Cleveland and/or Memphis since my primary goal is cashflow!

My understanding of the strategy is that you would find a good investment property, increase its value and stabilize it, and then refinance.Pulling out cash from your primary residence tax-free can be great, as long as you are getting a better return than the additional interest you are paying.

More to your specific questions though.....I own property both traditionally outside of retirement accounts and inside of SDIRAs and SOLO401Ks (better IF you qualify).