@Brandon Carlson As @Chris Mason mentioned, if you can legally convert it to 3 unit property, and do it cheap, you can def refi and pull money out.

I think it's worth trying.

I do love Indiana as a state to invest in. 

It will depend on where you are doing your deals and what the liability is that follows you after a sale.

Do you know of any HML are non recourse in San Antonio? 

Thanks for sharing a bit about yourself and journey. 

You will need to work out a mutually-agreeable solution. 

Even when talking with some real estate professionals who would seem to have an incentive to help me with renting out my property, I have been met with serious warnings (they pretty much say don't do it).

The idea of restricting what you do with your own cash, just because it was a refi, is probably unconstitutional.I know a lot of people investing in Texas from both inside and outside Texas. 

I’ve seen it done.