If you plan renting out this property, that cost recovery comes from cash flow (equity doesn't count). 

It sounds like you may not be cut out to manage rentals in which case you should probably sell.

I have checked with Wells Fargo where we bank they say they do not provide investment property loans.Thanks in advance.

Lastly, check any shared doors or gaps and add door sweeps or weatherstripping to block sound from traveling between the units. 

I’ve had about 6 referrals so far in less than 2 weeks since I have done this.

You run a background check and verify application and you make them both liable for all rent. 

If I refi cash out I can probably only get about $50k out of the investment property, any ideas on another way to get the amount I need that I may not be thinking of?

We are looking to invest in Southeast Florida and welcome any advice or information you may have. 

That moratorium is supposed to be temporary.Mind you, while the US used to have (some of the) lowest interest rates in the world for the last 15 years, this is no longer the case and the US actually has some of the highest interest rates in the world nowadays and that doesn't look to change any time soon.

They say you should focus on one market and get to know it in and out.