Has anyone found lenders (preferably credit unions or small local banks) that do HELOCs on investment properties, or are okay with a tax return that shows income generated occasionally on a 2nd home?

Talking to friends and family about how much I love real estate and I was looking for homes that needed love How did you finance this deal?

I prefer buy and hold in the Bay Area for many reasons, but I am not against flipping or out of state investing.

I ran the spreadsheet that @Scott Trench has on the article "Millions of Americans Should Keep Their Homes as Rentals, Not Sell.

You may be ok with 77-82 degrees inside your home, but I have my air at 74 when i’m home.

If you have no experience investing or as a landlord, or with Section 8, why would you take a second loan on your home, barrel your equity in it, and invest it in an area you seemingly don't know?

Mortgage, Taxes, Insurance, HOA: $3040.37Estimated rent: $2475Total Expenses: $3660.12Vacancy (5%): $123.75Repairs (5%): $123.75Capital Expenditures: $100Property Management (11%): $272.25Information when I bought the house in 2022, new constructions Purchase Price: $373000Purchase Closing costs: $4662Current home value: 400k-420kCash Flow: $2475-$3660.12= -$1185.12; -$71107.2 at 5 yearsCash on Cash Return on Investment (CoCROI): 0%Appretiation per year (6%); $535,290.23 at 5 yearsEquity: Loan value $345,089.53 at 5 years; $190,200.47 in equity at 5 yearsLoan Value today 6/2024: $368,201.59Total ROI in 5 years= (Total profit/Total Invested capital)/ Time (in years); Total profit: $190,200.47Total Invested: $71107.2 (neg cash flow) + $42757 (closing sale costs)= $113,864.20Total ROI (5 years)= ROI 67%, annualized ROI 10.8%My biggest concern is that I am relying solely on appreciation and assuming will appreciate at 6% per year. 

Hostile means the person on the other property (mine) was using it without the knowledge of the well owner.

We purchased the home on 8/3/2022 for $30,000 and sold it the same day for $63,000.

Quote from @John Su: The tenant is normally responsible for snow removal, just like the owner of a house.