I see this Maryland form here that seems to be appropriate, but I am not eligible to file it because it mentions that it should not be used if filing it after 12/01/2023.

You have way more details about the property than the rest of us, but by the investment fundamentals, this is a liability, not an asset.

To be eligible for 80% cash out, the property must be located in one of the following states:       AL, AZ, CA, CO, GA, MI, MN, MO, NC, PA, TN, TX, UT, VA, WAWith respect to seasoning, as long we can verify that the property was improved by the borrower after they purchased it, there is NO seasoning requirement for the 80% program. 

I know I’m breaking the fundamental rules here of property management, but should I stop putting up with this?

Hello BP fellow,Recently my husband and I were told by our insurance agent that since we just reached our 10 properties, we will no longer be eligible for purchasing a conventional umbrella insurance shall we decide to buy another rental property.

If plan to invest out of state it'll be crucial to develop your core-4: https://www.biggerpockets.com/blog/core-four-real-estate-tea...Having a solid team around you will be fundamental to your success.

and they are very likely to systematically monitor market rents on a monthly basis and adjust accordingly.The fundamental principle is that if you don't index rent for inflation every year you are essentially giving them a rent reduction.

An unsecured loan, as this one seems to be, would not be eligible as a source of funds for someone doing conventional financing. 

I'm not entirely following the implications and fundamental differences of the two options.Thanks again!

Consider your credit score, debt-to-income ratio, savings for reserves, and mortgage eligibility. 6.