That could de-risk the project for you.Phased Development: If the numbers work, you could start with a smaller phase (say 10–12 homes) to prove demand before building out the full community.You’re right that retirees and first-time buyers often want low-maintenance living, and being first to bring that product to Pryor could be a real differentiator if priced right.

It went pretty high up in some cases, and they decided they had no interest.i have then spoken to banks who do these guidance lines for HMLs, but they will only do performing, not non performing (the fact that I am offering an interest reserve for as long as they seem necessary does not help).I did end up finding 2 of the larger ones that finance HMLs, that actually have the product I need for NPLs, but their guidance line sizes start at 20 and 25 million respectively, and you need to be up to 50 million within a year, which is too large for me at this stage.Hence why I thought of finding hard money lenders (those that use their own capital, and not guidance lines that will not allow NPLs) to see if I can interest anyone, as I know that most HMLs are sitting on capital and not writing enough loans at the moment.

The transition from HELOC to DSCR is a smart path — leverage the equity you’ve got, stabilize the deal, then lock in a product that scales.

If the quote you got felt high, it may just reflect lender-specific pricing or the way they’re structuring your deal, since these products can vary a lot based on property DSCR, LTV, and even whether it’s a more “no-doc” style loan.

HFA Preferred and HFA Advantage PLUS Second MortgageThis is a forgivable second mortgage for down payment and closing cost assistance, which must be paired with Florida Housing's conventional loan products.

.: We have seen rates come down on DSCR products (sometimes beating conventional rates) esp for top tier borrowers.

It also has links to products to buy.

I don't have a specific product rec but I would say to just consider wifi connection for it as many require that for you to use. 

We also wanted to fill in any gaps in our understanding of the BRRRR strategy before jumping in head long. 1) Their coaching product was detailed and easy to understand.

So I would recommend you explore that option for yourself.Also, make sure you check out BiggerPocket's househacking book by Craig Curelop.https://store.biggerpockets.com/products/the-house-hacking-s...I also have a book (published by BiggerPockets) that you might find helpful.