Alternatively if you feel confident in the higher value, I would ask if the lender is open to doing an independent appraisal ordered by an AMC instead of a desktop one. 

I would not invest in real estate with a retirement account.Its too much of a headache and likely not that much better as an investment alternative within a retirement account1) Real Estate provides tax benefits for individuals who own them.

As an alternative, would a cash-out refinance, a home equity loan, or a HELOC make sense for you?

The $35,000 investment was carefully managed to avoid over-improving while still delivering an attractive property that resonated with buyers.

Because your alternative is zero income.

Many companies charge lower initial fees which makes it easier to attract new owners but then charge inspection fees, after hours fees, fees for additional services etc.

If managing the STR is no longer sustainable @Robbie Shiver, here are a few alternative options to explore:Mid-Term Rentals: Consider marketing to travel nurses or corporate relocations for stays of 1-6 months.

Do you know what is far more attractive?

I'm not sure how fast you want to scale, but I see that as a feasible alternative if you don't want to go through the process of either BRRRing or the fix and flip. 

. ;-)  While I wait for delayed communication from them, I am looking for alternate management in the Canton area.