For long-term strategies, a cash-out refinance is usually more advantageous, as it preserves ownership and offers fixed terms.To proceed, start with a professional appraisal to confirm the home’s value, compare refinance terms with traditional lenders, and carefully scrutinize shared-equity program terms to ensure they align with your financial goals.

You have a personal issue- car engine blows up, so you tell your tenant that they need to pay double the rent for one month so that you can get your car fixed?

Same for fixed assets.  

Lender Experience and ReputationHow long have you been lending in the fix-and-flip market?

Generally we raise capital from investors who want a fixed income and have enough meat on the bone to keep all the equity in the deals and push the valuation and also obtain commercial financing where we can get 75-80% LTV financing and still maintain a DSCR of 1.2+2.) 

So, the landlord makes an extra $1000 per month with the same fixed costs.  

Our customers typically get a 30 year fixed mortgage with a 20-25% down payment.

Based on your age & needs, you could consider a variable annuity (stock market) vs a fixed or deferred annuity (more like a long term CD). 

Since you have no experience- network and find the most active fix and flip investors in Charlotte, Raleigh or Greensboro. 

Quote from @Aaron Provencal: Investment Info:Single-family residence fix & flip investment.