VA IRRRL Cash Out Options?

[Rik Hunter]

Sorry if this is in the wrong forum, but there isn't one specifically for VA Loans, but maybe it's "conventional" enough. I'm a real estate rookie and veteran with one duplex that I've rehabbed and rented out (We were BRRRing, no last R as of yet, until this past July when we moved into a SFH and began rehab on the unit we lived in). I contacted my current lender, USAA, but they're "not currently" offering IRRRLs and can't say when they'll be offering this product in the future. A couple questions:

1. Could I go to another lender who is offering the VA IRRRL and move the mortgage over to them?

2. Should I order a new appraisal, no matter what happens with lenders, so I can have the new value on hand and use it to up my insurance?

3. Things I'm missing? 

Thanks!