I'm happy to chat about your options to see if we can get you out of this mess. 

If so, I'd consider those options first as they fit in the infinite banking concept.

After sitting vacant for a while I'm entertaining the option of converting to residential units.

As an investment property, I don't think your want is an option for you.

Here are a couple of ways you could structure the deal:Lease Option with Seller Financing: You could lease the property with an option to buy later, allowing you to rehab it while giving the sellers time to find a 1031 replacement property.Seller Financing with Deferred Payment: Structure the seller financing with no immediate payments, allowing you to refinance once the property is appraised, and the sellers can complete the 1031 exchange when ready.Escrow Holdback: Transfer the deed into an escrow account, giving you control without immediate transfer, so the sellers can take their time with the 1031.Third-Party Facilitation: Use a qualified intermediary to hold funds and facilitate the 1031 exchange while you refinance.These options allow flexibility for both you and the sellers.

For example, I've had a couple of 3+ bedrooms sit for a longer period of time because they only had one parking space available (and no on-street options nearby).

Many aren't used to explaining why their services are worth $12,000 (the typical pay for selling an average-priced U.S. home).

I think I will look into the tax professional option and hopefully have one on my team year round for advice. 

Gradually scale by researching high-growth markets, partnering with experienced investors, and exploring financing options like SBA loans.

. - Production: Typically STR production on the Oregon Coast is +/- 10% of valuation.