Hello,owner occupied duplex has lead issue in NH.

The credit union that does the majority of those is all in credit union. 

Landlord Tenant laws are challenging but if you invest in the better neighborhoods, you are less likely to run into the issues landlords customarily face in the low income areas of the city.

In the meantime, it sounds like not having access to the HELOC is causing knock-on issues.  

Among the major cities, San Antonio stands out with a 7.1 percent increase in home sales, but Houston, Austin, and Dallas all face notable losses.

A few deals i've looked at with investors were great on paper but had other undisclosed issues.

This issue is like that of a pool, some will seek you only becuase it's furnished and others will avoid you only becuase it's furnished - net even. 

I don't have the cash but I've been actively investing with my vacant land business for over 2 years now, so the hustle isn't an issue.  

I feel like the vast majority of potential tenants have a hard time being above 600.  

With a cash out refi on an owner occupied property, you might run into seasoning issues.