I’m looking for some Creative Financing to get this done in a way it can benefit them for retirement 

When I get the loan for the house I would basically give all of it to the seller, however I thought in Real Estate you're suppose to use leverage for your benefit.

What we as LLs use that money for should not be rammed down the tenants throat as a massive benefit for us.

I'm a huge fan of the HELOC- people tend to get caught up thinking that the cash out is better because the rate is typically lower, but that's really the only benefit. 

Quality of life has more benefits then just a $ number associated with equity in your home.  

Positive cash flow is not mandatory if you're expecting a huge appreciation or other benefits....but $250 + Insurance and taxes and utilities?

The benefit of this type of policy, is that if something isn't specifically excluded within the policy, then it's covered.  

I believe if you have at least 1 year of STR income the lender may take that into account to balance out your DTI but that would be the only benefit.

It was acquired from a mom and pop seller and now it is making wonderful profits for the operator and investors.One of the benefits in investing in tertiary cities is that large national competitors will likely not show up next door.

The benefit of this approach is that your lawyers and property managers remain in constant touch with various investors.