Here’s how I’m currently thinking about it:The interest rate on my existing property is 3.5%, so I’d like to maintain that rate rather than refinancing the entire loan.

However, consider STR seasonality, local regulations, and management demands, and ensure your equity loan and new primary residence costs fit comfortably within your budget.

What are your Loan terms and P/I relative to the cashflow after taxes?

Invest in Fix-and-Flip Properties:Use the $50K as a down payment or cover acquisition costs for a non-recourse loan (required for SDIRAs).

If so what are his loan requirements?

They finally get back to me after the close date to say they need more time because they are try to cross collateralize their other properties to make this deal happen and the bank they were using doesn't do this kind of loan. 

Depreciation Benefits via Leverage: While you can't claim depreciation personally on IRA-owned real estate, SDIRAs can use non-recourse loans to purchase property.

In the case of floating-rate loans, interest rate caps would be a prudent measure to take as well.Multifamily Sector FundamentalsThe underlying fundamentals for the multifamily sector are very strong right now.

These names frequently come up in investor circles because of their reliability.Speak Directly to Their Team: Legitimate lenders will have knowledgeable representatives willing to explain their loan products and processes in detail.

At the current scenario, without knowing anything about you or your properties I will recommend either to look at a loan from your assets using DSCR loan.