Where should funds come from?

[Troy Forney]

I have two single family homes a recently purchased. Both are cash flowing nicely and I am wanting to go forward with a third. Problem is I am running out of funds. The way I see it, I have four choices. 1) Tap in to my Simple IRA (similar to 401k). 2) Take all my personal savings. (Having only 6 months reserves left for 3 mortgages. 2 rentals and personal res.) 3) private money lender 4) Refinance recent purchase in 6 months and pull $15,000. out. Increasing my mortgage payment and decreasing my equity. What do you all think? What makes the most sense financially.