2) Buying using a traditional mortgage?

I’ve noticed more landlords moving away from traditional income-heavy lending and focusing more on property cash flow structures like DSCR thinking.

Think clean lines, wood slat accents, luxury lighting, warm interiors, smart-home features, and landscaping that makes the community feel high-end.We’re looking at modular because of the advantages that traditional construction just can’t compete with right now:60–100 day deliverypredictable pricinglower cost basishigh-end finish qualityphased build-out (instead of waiting 12–18 months)fast lease-up / quick ROIWe’re considering 1BR, 2BR, and a few 3BR units.

With rising demand in multiple states, I’m seeing landlords shift toward DSCR-style strategies to scale faster without traditional approval bottlenecks.

@Chad LabrecqueFirst, you could look at what your NOI might be if you converted your primary residence into an investment property.

Is this an investment property or your primary residence?

So should I use HELOC to get me my new primary and rent my current primary home?

The owner stated he would like to do the deal the traditional way and sort of shied away from the owner finance. 

My budget is around $400K, and I’m looking for subject-to's or seller finance since I likely won’t qualify for traditional financing.I'm looking for a single-family property, am also open to multifamily, and my plan would be to rent out a room or buy somewhere with the potential to add an ADU/casita.

Quote from @Samantha Anderson: We’re trying to decide whether to move forward with a large cash-out refinance on our primary residence to consolidate ~$47k in debt and pull ~$50k to complete a nearly-finished ADU.